FARRAGUT  FIR] 

INSURANCE  COMPANY 

OF  THi:  CITY  OF  NKW-YORK, 

No.  346  Broadway. 

1)1)  A  VV1I     ACI.M/1  ^ 


BRANCH  OFFICES 


No.  152  Broadway,  Nkw-Vokk;    Nto.  81  Broadway,  Brooklyn,  E.  JD. 


Statement,  Jul}'   i,  [88 1 

Cash  Capital   

Reserve  for  Re-insurance  

Reserve  for  Losses  

Reserve  for  Taxes,  Rent,  Commissions,  &c  

Net  Surplus  

INVESTED  AS  FOLLOWS: 

United  States  Bonds   

Bank  Stock  

Bonds  and  Mortgages  

Temporary  Loans  

Real  Estate  . . ;  

Cash  on  hand  and  in  bank  

Unpaid  Premiums  

Interest  accrued  and  Rents  


$200,000.00 
..  .  86,880.01 
13.309  55 
379I.05 

'34>32I-57 

$438,302.18 


$287,500.00 
12,000.00 
1 1,500.00 
40,500.00 
44,000.00 
29,247.62 
12,600. 56 
954.00 


$438,302.18 


JOHN  M.  FURMAN,  President. 
JOHN  E.  LEFFINGWELL,  Vice-Pres't.       SAMUEL  DARBEE,  Sec'y. 
CHARLES  A.  BOGUE,  Ass't  Sec'y. 


DIRECTORS 


JOHN  M.  FURMAN  President. 

E.  E.  EAMES  H.  B.  Claflin  &  Co. 

PHILO  C  CALHOUN    .  .Pres't  Fourth  Nat'  1  Bank. 

WM.  H.  BEERS  Vice-Pres't  N.  Y.  Life  Ins.  Co. 

N.  D.  MORGAN  Brooklyn. 

CHARLES  WRIGHT,  M.  D  N.  Y.  Life  Ins.  Co. 

SEYMOUR  L.  HUSTED,Pres.DimeSav.B'k,B'klyn. 
ECKFORD  WEB  I?,  late  of  Webb,  McLaughlin  &  Co. 

CHARLES  A.  DENNY  140  Nassau  St. 

WM.  WATSON  Wm.  Watson  &  Co. 

Marcus  F.  HQnnrr  n    -i   i  u  ffmm  t  r 


W.  F.  SHIRLEY.  .  .   New- York. 

A.  H.  GODWIN.  . .-  Paterson,  N.  J. 

J  AS  M.  DUNBAR,  Jas.  L.  Little  &  Co. 

S.  S.  FISHER....'  Manufacturer. 

GEORGE  H.  JOISTES  New- York. 

SAMUEL  COOPER  7  Pine  Street. 

STEWT  L.WOODFORD,  Arnoux,  Ritch  &  Woodford. 

EVERETT  CLAPP    New-York. 

DAVID  M.  HILDRETH  New-York. 

JOHN  E.  LEFFINGWELL  Vice-President. 


1Ex  idtbria 


SEYMOUR  DURST 


Miinvmi; 

FIRE  INSURANCE  COMPANY 

Of  the   City  of  New-York. 

Office,  166  Broadway. 

(CHARTERED    IN  1852.) 


This  Company  has  been  in  successful  operation  twenty-nine  years,  and  has  paid  all  its  losses, 
including  those  of  the  great  conflagrations  of  Troy,  Portland,  Chicago,  and  Boston,  promptly, 
and  in  full,  and  continues  to  insure  against  Loss  or  Damage  by  Fire  on  reasonable  terms. 


Cash  Capital  $200,000.00 

Re-insurance  Reserve,  June  30,  1881   24,094.22 

Unpaid  Losses  and  other  Liabilities,  June  30,  1881  5,506.79 
Net  Surplus,  June  30.  1881  .  .  •   29,149.89 

Total  Assets,      -       "   $258,75090 

WM.  A.  ANDERSON,  President. 
C.  W.  PARMELEE,  Secretary. 


DIRECTORS  : 

Wm.  A.  Anderson,     J.  B.  Rumrill,  Harman  Blauvelt,  John  C.  Hoyt, 

Wm.  A.  Thomson,      Czar  Dunning,  Henry  Van  Schaick,  C.  W.  Parmelee, 

Isaac  N.  Phelps,         Joseph  Slagg,  O.  G.  Walbridge,  Alexander  Rumrill, 

Sam'l  Colgate,  W.  W.  Phelps,  L.  Bayard  Smith,  John  B.  Snook, 

William  Barton,  George  B.  Greer,  W.  O.  Woodford,  A.  F.  Pearse, 

A.  R.  Van  Nest,         James  Stokes,  Elbert  A.  Brinckerhoff,  George  De  Forest  Barton, 

F.  Lawrence,  Elward  Smith,  Lester  A.  Roberts,  John  G.  Davis. 

Chas.  B.  Colton,  Alfred  J.  Taylor, 


THE 

CHRISTIAN  UNION 


LYMAN  ABBOTT,  Editor. 


With  the  first  of  January,  1882,  The  Christian  Union  enters  upon  its  thirteenth  year  and  twenty- 
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of  God  ;  the  text  of  the  editor  in  the  providence 
of  God.  He  will  study  that  book  as  God  turns 
its  leaves  over  for  him  from  day  to  day. 

rv.— COMPACT. 

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superfluous  words.  In  time,  its  contributors  will 
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march  compact  as  an  army  to  battle.  It  will 
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Above  all,  it  will  be 

VI.-CATHOLIC,  COURTEOUS, 
CHRISTIAN. 

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truth. 

In  Carrying  Out  this  General  Plan, 
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MESSRS.     LYMAN    ABBOTT,  ELIOT 

Mccormick,  and  Hamilton 

W.  MABIE, 

but  of  the  best  literary  talent  in  the  country. 
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Jean  Ingelow, 


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NEW-YORK  ALMANAC 


FOR 


1882. 


EDITED   BY   JAMES   M.  HUDNUT. 


NEW -YORK: 

FRANCIS  HART  &  CO.  63  MURRAY  ST.  COR.  COLLEGE  PLACE. 

1883. 


Copyright,  1881,  by  FRANCIS  HART  &  CO. 


2 


THE      NEW-YORK  ALMANAC. 


ASTRONOMICAL   PHENOMENA,   ETC.,  1882, 

By  Berlin  H.  Wright,  Esq.,  Penn  Yan,  N.  V. 


ECLIPSES,  L888. 

There  will  be  two  Eclipses  this  year,  both  of 
the  Sun  ;  and  a  Transit  of  the  planet  Venus  over 
the  disc  of  the  Sun  : 

I.  A  Total  Eclipse  of  the  Sun,  May  17,  invis- 
ible in  America. 

II.  An  Annular  Eclipse  of  the  Sun,  Nov.  11, 
visible  in  Pacific  Ocean  only. 

III.  A  Transit  of  the  planet  Venus  across  the 
Sun's  disc,  Dec.  6,  visible  throughout  North 
America  and  Europe.    [Sec  table] 

Table  of  Transit  of  Venus,  Dec.  6,  1882. 


PLACES. 

Beginning. 

Alt. 

Ending. 

Alt. 

H.  If.  S. 

Dog 

H.  M.  S. 

cleg 

Albany,  N.  Y 

9  29  51AM 

16 

2  51  58PII 

13 

Austin,  Tex  

7  53  36  " 

II 

I  1742  " 

32 

Baltimore,  Md. .  . 

9  18  13  " 

18 

2  40  29  " 

17 

Boston,  Mass  

9  40  26  " 

19 

3  236" 

12 

Buffalo,  N.  Y  

9  9  J4  " 

15 

2  31  32  " 

15 

Charleston,  S.  C. . 

9  4  47  " 

21 

2  27  26  " 

24 

Chicago,  111  

834  28  " 

2  57  18  " 

19 

Cincinnati,  O.  .  .  . 

84653  " 

14 

2   9  32  " 

21 

Columbus,  O  

85241  " 

14 

2  15  23  " 

20 

Detroit,  Mich  

852  45  " 

14 

2  15  25  " 

19 

Denver,  Colo 

724  55  " 

2 

O  49  IO  " 

27 

Galveston,  Tex. . . 

8  524" 

14 

I  29  23  " 

33 

Houston,  Tex. . . . 

8  244  " 

13 

I  29  23  " 

33 

Indianapolis,  Ind. 

84035  " 

13 

2    3  20  " 

22 

Kansas  City,  Mo. 
Louisville,  Ky .  . . . 

865" 

8 

I  29  39  " 

26 

8  42  50  " 

15 

2    5  38  " 

22 

Milwaukee,  Wis. . 

8  33  14  " 

10 

I  56    2  " 

20 

Mobile,  Ala  

8  32  24  " 

18 

1  55  43  " 

3i 

Nashville,  Tenn. . 

8  37  30  " 

15 

2  0  36  " 

25 

New  Orleans,  La. 

8  24  30  " 

16 

1  47  55  " 

3i 

New- York  City.  .  . 

92845  " 

18 

25051  " 

14 

Philadelphia,  Pa. . 

924  7" 

18 

2  46  16  " 

15 

Providence,  R.  I. . 

9  39  7  " 

18 

3   1  12  " 

13 

Raleigh,  N.  C. . . . 

9  9  26  " 

20 

2  32  4  " 

21 

Richmond,  Va  

9  14  52  " 

18 

2  47  10  " 

18 

Rochester,  N.  Y. . 

913  28  " 

15 

2  35  43  " 

14 

SanFrancisco,  Cal. 

Beg.bef.su 

nri. 

II  41  HAM 

30 

St.  Augustine,  Fla. 

858  5AM 

22 

2  20  58  P.M 

27 

St.  Louis,  Mo. .  . . 

823  54  " 

12 

I  46  55  " 

24 

St.  Paul,  Minn. . . . 

8  1247  " 

5 

1  35  52  " 

19 

Springfield,  111. . .  . 

8  26  44  " 

10 

1  49  44  " 

22 

Washington,  D.C. 

9  16  34  " 

18 

2  38  47  " 

18 

Note.— In  the  Middle  and  New  England  States,  Venus  will 
cross  the  Sun's  southern  limb  from  east  to  west,  first  touching  the 
Sun's  disc  at  a  point  150  degrees  from  the  north  to  the  east,  and 
leaving  the  Sun  120  degrees  from  the  north  point  toward  the  west. 


MOVABLE  FEASTS,  1882. 

Septuagesima  Sunday  February  5 

Sexagesima  Sunday  February  12 

Quinquagesima  Sunday  February  19 


Ash  Wednesday  February  22 

Quadragesima  Sunday  February  26 

Mid-Lent  Sunday  March  12 

Palm  Sunday  April  2 

Good  Friday  April  7 

Easter  Sunday  April  9 

Low  Sunday  April  16 

Rogation  Sunday  May  14 

Ascension  Day  May  18 

Whit  Sunday  (Pentecost)  May  28 

Trinity  Sunday  June  4 

Corpus  Christi  June  8 

Advent  Sunday  December  3 

EMM  I  K  DAYS. 

Wednesday,  Friday,  and  Saturday  after  first 
Sunday  in  Lent — March  1,  3,  and  4. 

Wednesday,  Friday,  and  Saturday  after  Pen- 
tecost— May  31,  June  2  and  3. 

Wednesday,  Friday,  and  Saturday  after  14th 
of  September — September  20,  22.  and  23. 

Wednesday,  Friday,  and  Saturday  after  13th 
of  December — December  20,  22,  and  23. 

THE  FOTJB  SEASONS. 

(Washington  ?nean  time.) 

Winter  begins  1881,  December  21,  10  h.  52  m. 
morning,  and  lasts  90  d.  1  h.  10  m. 

Spring  begins  1882,  March  21,  o  h.  2  m.  even- 
ing, and  lasts  91  d.  20  h.  4  m. 

Summer  begins  1882,  June  21,  8  h.  6  m.  morn- 
ing, and  lasts  93  d.  14  h.  23  m. 

Autumn  begins  1882,  September  22,  10  h.  29  m. 
evening,  and  lasts  89  d.  18  h.  16  m. 

Winter  begins  1882,  December  21,  4  h.  45  m. 
evening. 

Tropical  year,  365  d.  5  h.  53  m. 

MORNING  STARS. 

Mercury,  until  January  6,  and  from  February 
22  to  May  2  ;  June  28  to  August  14 ;  and  Octo- 
ber 22  to  December  16. 

Venus,  until  February  20 ;  and  after  Decem- 
ber 5. 

Mars,  after  December  10. 

Jupiter,  from  May  30  to  Sept.  23. 

Saturn,  from  May  6  to  August  18. 

Uranus,  from  September  11  to  December  15. 

Neptune,  from  May  6  to  August  11. 


THE     NEW-YORK  ALMANAC 


3 


EVEXIXG  STARS. 


THE  ZODIAC  AND  ITS  SIGNS. 


Mercury,  from  Jan.  6  to  Feb.  22  ;  May  2  to 
June  28  ;  Aug.  14  to  Oct.  22 ;  and  after  Dec.  16. 
Venus,  from  February  20  to  December  6. 
Mars,  until  December  10. 

Jupiter,  until  May  30  ;  and  after  September  23. 
Saturn,  until  May  6  ;  and  after  August  18. 
Uranus,  until  Sept.  11  ;  and  after  Dec.  15. 
Neptune,  until  May  6 ;  and  after  August  11. 

PLAXETS  BRIGHTEST,  1882. 

Mercury,  February  3-6,  May  28  to  June  1,  and 
September  25-28,  setting  after  the  Sun  ;  also, 
March  21-24,  Jub'  I9-22.  and  November  7-10, 
rising  before  the  Sun.  Venus,  November  1. 
Mars,  not  this  year.  Jupiter,  December  18. 
Saturn,  November  14.  Uranus,  March  6.  Nep- 
tune, November  9. 

MOON'S  APOGEE,  PERIGEE.  HIGH- 
EST AND  LOWEST. 


MONTH. 

Moon 

Moon 

Moon 

Moon 

Apogee. 

Perigee. 

Highest. 

Lowest. 

January  .... 

7 

20 

I-29 

16 

February . . . 

•4 

17 

25 

12 

March 

3-3o 

18 

24 

12 

April  

27 

15 

21 

8 

25 

12 

18 

5 

June 

21 

7 

14 

1-29 

July  

19 

3-3i 

12 

26 

August  

16 

29 

8 

23 

September  . 

12 

26 

4 

19 

October  .... 

9 

24 

1-29 

16 

November.  . 

6 

22 

25 

12 

December  .  . 

3-3i 

18 

23 

10 

CALENDAR  EXPLANATION  9 . 

In  the  columns  of  moon's  rising  and  setting, 
the  time  of  only  one  of  these  events  is  given  for 
each  day  —  that  one  which  occurs  while  the  Sun 
is  down.  When  the  word  "rises"  is  found  in 
the  column,  the  Moon  is  at  the  full,  and  the  fig- 
ures following  that  word  are  P.  M.,  or  evening, 
until  the  word  "morn,"  which  means  midnight. 
From  "  morn  "  the  figures  are  A.  M.,  the  Moon 
rising  in  the  morning  before  the  Sun  is  up. 
Then  after  the  word  "  sets,"  the  time  of  setting 
is  given,  which  grows  later  and  later,  from  early 
evening  until  early  morning,  until  the  Moon 
again  is  at  the  full. 

To  get  the  correct  time,  use  a  meridian  line 
and  set  your  time-piece  by  the  time  given  under 
"  Sun  at  noon  mark."  The  times  of  Sun's  rising 
and  setting  are  exact  only  where  the  Earth's 
surface  is  level. 


Spring  Signs. 
¥  Aries. 
8  Taurus, 
n  Gemini. 

Summer  Signs. 
c  Cancer. 
K  Leo. 
m  Virgo. 


Autumn  Signs. 
7.    =^  Libra. 


i'l  Scorpio. 
t  Sagittarius. 


Winter  Signs. 

10.  \j  Capricornus. 

11.  Of  Aquarius. 

12.  X  Pisces. 


The  Zodiac  is  an  imaginary  belt  in  the 
heavens,  sixteen  or  eighteen  degrees  broad,  in 
the  middle  of  which  is  the  ecliptic,  or  Sun's  path. 
The  stars  in  this  belt  comprise  the  twelve  con- 
stellations, being  separable  into  that  number  of 
groups.  The  groups  were  given  by  the  ancients 
the  names  they  now  bear,  on  account  of  real  or 
fancied  resemblances.  They  are  called  the 
Signs  of  the  Zodiac.  The  above  classification 
refers  to  the  position  of  the  Sun.  The  Moon 
passes  through  them  all  every  27  d.  7.  h.  43  m. 
11. 5  s.  The  ancients  supposed  their  position 
at  the  time  of  a  person's  birth  to  have  an 
influence  on  his  character  and  destiny.  They 
connected  the  different  Signs  of  the  Zodiac  with 
different  parts  of  the  body,  as  above.  Some 
people  still  consult  their  almanacs  when  about 
to  plant  certain  vegetables.  Probably  there  is 
about  as  much  sense  in  one  as  the  other.  The 
classification  serves  a  useful  purpose,  however, 
as  the  prominent  stars  in  each  constellation  are 
known  by  different  letters  of  the  Greek  alphabet, 
and  hence  are  easily  designated. 


i 


THE      NEW-YORK  ALMANAC. 


"'"pnii  thirty-sixth  annual  report  of  the  Nkw- 
L  York  Life  shows  that  this  old  and  trust- 
worthy institution  continues  to  enjoy  in  a  marked 
degree  the  confidence  and  patronage  of  the 
insuring  public.  The  large  increase  in  assets, 
surplus,  and  policies  in  force  must  be  very  grati- 
fying alike  to  the  officers  of  the  Company — 
whose  prudence  and  skill  are  thus  attested — and 
to  the  policy-holders,  who  reap  the  benefit  of  the 
Company's  increasing  prosperity  and  strength.' 
— Examiner  and  Chronicle. 

THE  words  of  Mr.  Joshua  Billings  are  pointed. 
"  Thar  iz  advice  enuff  now  laying  around 
loose  to  run  three  just  such  worlds  as  this  ;  what 
we  are  suffering  most  for  iz  sum  good  examples." 

If  you  do  not  wish  to  trade  with  the  devil,  keep 
out  of  his  shop.  —  Thos.  Fuller. 


THE  universe  is  in  league  against  the  selfish 
man.  Not  to  prevent  him  from  getting 
property,  not  to  prevent  him  from  having  all  the 
outward  semblance  of  happiness,  but  to  prevent 
his  having  the  real  thing,  and  having  it  winter 
and  summer  with  him,  and  having  the  remem- 
brance of  it  sweet.  And  so,  if  a  man  does  not 
enjoy  making  others  happy,  it  may  be  wise  for 
him  to  inquire  why.  He  may  do  it  softly,  and 
tell  no  man  the  answer  the  oracle  within  him 
gives,  but  let  him  not  despise  it  nor  disregard  it. 
If  a  man  is  walking  in  devious  ways  morally  ; 
if  he  is  neglecting  his  business  or  his  family  ;  if 
he  is  trusting  to  "luck,"  or  to  the  forbearance  and 
charity  of  those  to  whom  he  ought  to  be  not  only 
just,  but  generous  —  let  him  know  that  the 
RESULT  will  judge  him.  From  that  there  will 
be  no  appeal. 


First  Month. 


JANUARY,  L882. 


I'/iirty-otie  Days. 


Life  insurance 
Phenomena 
for  the  most  health- 
ful portions  of 
the  United  States, 
t  he  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  BELGIUM. 


r Ai knhar  fok  Calendar  for 

Boston!  X„w  England  N-V.C"  v.  Phh  a,m^„ 
N.Y. state, Michigan,  I  Connecticut,  New- 
Wisconsin,  Iowa      Jersey,  Pennsylvania 
and  Oregon. 


OHIO,  Indiana  am 
Illinois. 


U      Calendar  for 
Washington,  Mary- 

land,  Virginia, 
Kentucky,  Missouri 
and  California. 


Sun  Sun 
Rises  Sets. 


Moon 
Sets. 


11.  W. 

Boston 


Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 
Tues 
Wed 
Thur 

Fri  Ij 
Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon  | 
Tues  M 


During-  the  month 
of  January,  1881, 
the  New- York  Life 
Insurance  Compa- 
ny paid  44  death- 
claims  on  the  lives 
of  4  0  persons. 
The  whole  amount 
paid  was  $118,- 
142.00,  an  averag-e 
of  over  $2900  to 
each  family.  The 
premiums  paid  on 
these  policies,  less 
the  dividends  re- 
turned by  the  Com- 
pany, amounted  to 
$58,246.32,  an 
averag-e  of  less 
than  $1500  to 
each  family.  The 
gain  to  the  families 
of  the  deceased 
was,  therefore, 
$59,895.  68,  an 
average  of  over 
$1400  each.  For 
each  $100  paid  to 
the  Company,  they 
received  $202.83. 


H.  M.  |  H.M.   H.  M.  I  H. 

|  7  3o  4  38  4  55!  9 
7  3o  4  39 I  5  50 


7  30  4  40 ]  6  39 

30]  4  41  rist-s 

30  4  42  6  14 
29  4  43 
29  4  44 
29  4  45 

29  4  46  10  6 

29  4  47  11  5 

29  4  48  morn 


C 

9  59 


Sun  Sun  i  Moon 
Rises  1  Sets.  ,  Sets. 


7  13 

8  11 


7  22 
7  21 
7  20 

III 

7  17 
7  16 
7 


28  4  50 
28  4  51 
28  4  52 
27  4  53 
27  4  54 
26  4  55 
4  56 
4  58 

4  59 

5  o 
5  1 
5  3 
5  4 
5  5 

5  S 
5  8 

5  9 
5  10 


3  16 

4  20 


10  49 

11  32 
ev.  10 

50 

1  28 

2  7 

2  43 

3  21 

4  2 

4  5i 

5  45 

6  44 

7  5° 

8  56 


;h.  m. 

7  25 
!  7  25 

7  25 
;  7  25 

7  25 

7  25 


H.M.  H. 


5  13 


5  20 i   9  56 
6i4' 
sets 

6  42 

7  58 

10  26 

11  36 
morn 

44 
148 

2  49 

3  46 

4  36 

5  22 


10  54  I 

11  45 
morn 

35 

1  23 

2  10 

2  57 

3  4° 

4  4i 

5  42 

6  43 

7  45 

8  45 

9  38 


4 
4 

4 
4 
4 
4 

25  4 
24  4 
24  4 
24  4 
24  4 
23  I  4 
23  4 
23  4 


M. 

4  5' 

5  45 

6  35 
rises 
617 

7  16 
813 
9  9 

10  5 

52  1 11  3 

53  morn 
3 

1  4 

2  7 

3  11 

4  15 

5  15 

6  10 
sets 

6  44 

7  59 
9  13 

10  25 

11  33 
9  morn 

10 1  41 

1  44 

2  45 

3  3i 

4  3i 

5  17 


54 
55 
56 
4  57 

4  59 

5  o 
5 
5 
5 
5 
5 
5 
5 
5 
5 


n.  w . 

\.  Y. 


Sun  i  Sun  IMoon'  Moon 
Rises    Sets    Sets.  ;  South. 


5  51 

6  45 

7  37 

8  14 

8  56 

9  36 
10  13 

10  48 

11  25 
ev.  6 

49 

1  38 

2  31 

3  30 

4  35 

5  41 

6  42 

7  36 
828 
9  21 

10  9 

10  52 

11  41 
mom 

32 

1  28 

2  27 

3  29 

4  3i 

5  30 

6  24 


H.M. 

4  49 


18  5 
18  5 
18  5 


8  5  20 


H.  M. 

4  45 

5  40 

6  29 
rises 

6  21: 


morn 

1  1 

2  4 

3  6 

4  10 

5  10 

6  5 
sets 
647 

8  o 

9  13 

10  23 

11  31 
morn 

37 

1  40 

2  40 

3  36 

4  26 

5  12 


40 

1  26 


2  52 

3  33 

4  14 

4  56 

5  40 

6  26 
716 

8  10 

9  8 
10  8 


n  9 
ev.  9 

1  7 

2  3 

2  57 

3  49 

4  40 

5  32 

6  23 

7  *5 

8  7 

8  58 

9  49 
10  37 


Moon's  phases. 

Boston. 

New-York. 

Washington. 

Charleston. 

SUN  AT 
NOON  MARK. 

Full  Moon, 

D. 

h. 

M. 

H.  M. 

h.  M. 

H.  M. 

D. 

H.    M.  S. 

4 

6 

14  Morning. 

6    2  Morning. 

5  50  Morning. 

5  38  Morning. 

I 

1240 

Last  Quarter, 

12 

3  Morning. 

10  51  Morning. 

10  39  Morning. 

10  27  Morning. 

9 

12       7  3I 

New  Moon, 

19 

11 

51  Morning. 

11  39  Morning. 

11  27  Morning. 

11  15  Morning. 

17 

12     IO  28 

First  Quarter, 

26 

3 

1  Morning. 

2  49  Morning. 

2  37  Morning. 

2  25  Morning. 

25 

12    12  40 

THE     NEW-YORK  ALMANAC. 


A  Winter's  Morning. 


(i 


THE  NEW-YO 


RK  ALMANAC. 


>^pEN  thousand  dollars  is  a  goodly  sum 
X  for  most  men  to  earn  and  save.  The  ma- 
jority of  men  leave  less  than  that  behind  them 
when  they  die.  To  the  families  of  some,  such 
an  amount  would  make  all  the  difference  there 
is  between  independence  and  want.  How  can 
one  get  so  much  ahead  ?  The  expenses  of  a  fam- 
ily are  heavy — if  children  are  brought  up  to  be 
anything  more  than  hewers  of  wood  and  drawers 
of  water.  It  would  take  most  of  us  the  better 
part  of  a  life-time  to  save  ten  thousand  dollars 
from  our  earnings.  But  we  may  not  live  so 
long ;  and  if  we  die  before  7i<e  have  time  to  earn 
and  save  much,  our  families  will  need  all  the  more. 
There's  the  rub.  The  earlier  in  life  a  man  dies  the 
less  he  is  likely  to  leave  to  his  family,  and  the  more 
they  need.  There  is  but  one  way  of  making  this 
matter  safe  and  sure— that  is,  by  life  insurance. 


One  can  spare  each  year  a  small  percentage  of 
ten  thousand  dollars,  and  when  he  dies— whether 
it  be  soon  or  late— the  life  company  will  pay  his 
family  the  whole  sum. 

THE  truth  cannot  be  burned,  beheaded,  or 
crucified.  A  lie  on  the  throne  is  a  lie  still, 
and  truth  in  a  dungeon  is  truth  still ;  and  the  lie 
on  the  throne  is  on  the  way  to  defeat,  and  the 
truth  in  the  dungeon  is  on  the  way  to  victory. 
No  accidents  of  position  can  change  the  essential 
nature  of  things,  or  the  eternal  laws  which  deter- 
mine their  destinies.—  I  I'm.  McKinley. 

A  medical  student  says  that  he  has  never 
t\  been  able  to  discover  the  bone  of  conten- 
tion, and  desires  to  know  if  it  is  not  near  the 
jaw-bone. 


Second  Month 


FEBRUARY,   1882.  »■•»■ 


EAR. 

IONTH. 

/EEK. 

1        Life  insurance 
phenomena 
for  the  most  health- 

Calendar for 
Boston,  New  England 
N.  Y.  state, Michigan, 

Calendar  for 
n.  Y.  City,  phii.adelph. 
j  Connecticut,  New 

Calendar  for 
Washing!  on,  Mary- 
land, Virginia, 

>• 

0 

U. 
O 

tk 
0 

ful  portions  of 
the  United  states, 
THE  Dominion  ok  Canada, 

1     Wisconsin,  Iowa 
and  Oregon. 

jersey,  Pennsylvania, 
Ohio,  Indiana  and 
Illinois. 

Kentucky.  Missouri 
and  California. 

1 

Great  Britain  and 

> 
< 

Ireland, 
France  and  BELGIUM. 

|  Sun 

Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

H.  w. 

Sun 

Sun 

Moon 

Moon 

Q 

Rises 

Sets. 

Set;,. 

Boston 

Rises 

Sets. 

Sets. 

N.  Y. 

Rises 

Sctb 

Sets. 

South. 

Early  in  February, 

H.  M. 

H.M. 

H.  M. 

H.  M. 

H.  M. 

H.M. 

H.  M. 

H.M. 

H.  M. 

H.M. 

H.  M. 

H.  M. 

1881,   the  New- 

32 

Wed 

York    Life  Insur- 

7 14 

5  M !  5  59 

IO  25 

7  " 

5  18 

5  55 
nses 

7  11 

7  7 

5  21 

5  5i 

11  23 

33 

2 

Thur 

ance  Co.  issued  its 

7  13 

5  15 

rises 

»  6 

7  10 

5  19 

7  49 

7  6 

5  23 

nses 

morn 

34 

3 

Fri 

thirty-sixth  annual 

7  12 

5  16 

6  3 

II  45 

7  9 

5  20 

6  5 

827 

7  5 

5  24 

6  7 

7 

35 

4 

Sat 

report,  which 

7  « 

5  18 

7  1 

ev  20 

5  21 

7  2 

9  6 

7  4 

5  25 

7  3 

50 

36 

5 

£> 

showed  the  pre- 

7 10 

5  19 

8  0 

56 

\  I 

5  22 
5  23 

8  0 

9  42 

7  3 

5  26 

8  0 

1  32 

37 

6 

Mon 

vious  year  to  have 

1  7  9 

5  21 

8  57 

1  3i 

7  5 

8  56 

10  16 

7  2 

5  27 

8  55 

2  13 

38 

Tues 

been  one  of  marked 

7  8 

5  22 
5  23 

9  55 

2  7 

7  4 

5  25 

9  53 

10  49 

7  1 

5  28 

9  5; 

2  54 

39 

I 

Wed 

prosperity.  The  in- 

7 6 

10  57 

2  47 

7  3 

5  26 

10  54 

11  29 

7  0 

5  29 

10  51 

3  37 

40 

9 

Thur 

come  of  the  Com- 

7 5 

5  24 

11  57 

3  29 

7  2 

5  27 

11  54 
morn 

ev  14 

6  59 

5  30 

11  50 

4  22 

41 

10 

Fri 

pany  amounted  to 

7  4 

5  25 

morn 

4  17 

7  1 

5  28 

1  4 

6  58 

5  32 

morn 

5  9 

42 

11 

Sat 

nearly  $9,000,000, 

7  2 

5  26 

1  1 

5  '3 

7  0 

5  30 

57 

1  59 

6  57 

5  33 

52    6  0 

43 

12 

Mon 

and    exceeded  the 

7  1 

5  28    2  1 

6  18 

6  58 

5  31 

1  57 

3  3 

6  55 

5  34 

1  52 

6  53 

44 

*3 

expenditures  by 

7  0 

5  29 

3  2 

725 

6  57!5  32 

2  57 

4  IO 

6  54 

5  35 

2  52 

7  50 

45 

14 

Tues 

over  three  millions 

6  59 

5  30 

3  58 

8  34 

6  56 

5  34 

3  54 

I  19 

6  53 

5  36 

3  49 

8  49 

46 

15 

Wed 

—the  larg-est  excess 

6  57 

5  32 

4  49 

9  38 

6  55 

5  35 

4  45 

0  24 

6  52 

5  38 

4  4° 

5  25 

9  49 

47 

16 

Thur 

of  any  life  company 
in  the  world.  There 

6  56! 5  33 

5  32 

10  24 

6  53 

5  36 

5  28 

7  19 

6  51 

5  39 

10  47 

48 

*7 

Fri 

654 

5  35 

6  n 

11  25 

6  52 

5  37 

6  9 

8  8 

6  49 

5  40 

6  7 

11  45 

49 

18 

sat  ; 

was  a   large  in- 

6 53 

5  36 

sets 

morn 

6  51 

5  39 

sets 

8  56  ! 

6  48 

5  41 

sets 

ev  40 

5° 

*9 

.3 

crease  in  premiums, 

6  52 

5  38 

8  1 

15 

6  49 

5  40 

8  0 

9  45 

6  47 

5  42 

8  0 

1  35 

51 

20 

Mon 

interest,  assets, 
surplus,  insurance 

6  50 

5  39 

9  "5 

59 

6  48 

5  4i 

9  i3 

10  29 

6  46 

5  44 

9  « 

2  29 

52 

21 

Tues 

6  48 

5  40 

10  26 

1  45 

6  46 

5  43 

10  23 

11  16  | 

6  44 

5  45 

10  20 

3  22 

53 

22 

Wed 

written  and  in  force, 

6  47 

5  42 

"  35 

2  33 

6  45 

5  44 

11  31 

morn 

6  43 

5  46 

11  27 

4  16 

54 

23 

Thur 

while  payments  to 

6  45 

5  43 

morn 

3  23 

6  44 

5  45 

morn 

8 

6  42 

5  47 

morn 

I  9 

55 

24 

Fri 

policy-holders 

6  44 

5  45 

40 

4  17 

6  42 

5  46 

35 

1  4 

6  40 

5  48 

30 

6  2 

56 

25 

Sat 

amounted  to  nearly 

6  42 

5  46 

1  39 

5  15 

6  41 

5  48 

1  35 

2  1 

6  38 

5  49 

1  29 

6  55 

57 

26 

s 

$4,5  0  0,0  0  0.  The 

6  41 

5  47 

2  33 

6  20 

6  39 

5  49 

2  28 

3  6 

6  37 

5  5i 

2  23 

7  45 

58 

27 

Mon 

interest  receipts 

6  39 

5  49 

3  19 

7  20 

6  38 

5  5o 

3  13 

4  5 

6  36 

5  52 

3  9 

8  34 

59 

28 

Tues 

exceeded  the  death- 

6  38  5  50 

3  59 

8  17 

6  37 

5  5i 

3  55 

5  1 

6  34 

5  53 

3  5i 

9  21 

claims  by  $586,167. 

Moon's  Phases.  boston. 


Full  Moon, 
Last  Quarter, 
New  Moon, 
First  Quarter, 


1  14  Morning. 

3  50  Morning. 
10    6  Evening. 

4  47  Evening. 


New-York. 


h.  M. 

1    2  Morning. 

3  38  Morning. 
9  54  Evening. 

4  35  Evening. 


Washington. 


Charleston. 


o  50  Morning. 

3  26  Morning. 
9  42  Evening. 

4  23  Evening. 


H.  M. 

o  38  Morning. 

3  14  Morning. 
9  30  Evening. 

4  11  Evening. 


sun  at 
noon  mark. 


9 

17 

25  I 


H.  M.  S. 

12  13  53 

12  14  27 

12  14  12 

12  13  13 


'What  Shall  I  Say?" 


8 


THE      NEW- YO 


RK  ALMANAC. 


Endowment  insurance  anticipates  the  time 
whefi  the  insured  will  have  greater  need  of 
money  while  he  lives  than  those  who  have  been 
dependent  upon  him  will  when  he  dies.  In  a  word, 
it  accommodates  its  benefits  to  the  changed 
circumstances  which  time  brings  to  all  who  live 
many  years  after  insuring.  It  is  a  shield  which 
protects  children  while  they  grow  to  manhood 
and  womanhood,  and  under  which  old  age  may 
finally  repose  in  peace.  The  proceeds  of  an 
Endowment  Policy  are  likely  to  be  needed,  either 
as  insurance,  in  case  of  the  early  death  of  the 
insured,  or  as  an  endowment  in  case  his  life  is 
prolonged,  and  the  benefit  takes  the  form  in 
which  time  shows  it  to  be  most  needed.  If  a 
man  dies  young,  his  family  receives  it  ;  if  he 
lives  to  the  close  of  the  endowment  period,  he 
receives  it  himself. 


"/  \  STRANGE,  sweet  season  of  upheaving  birth, 

V_y    O  oft-returning  miracle  of  grace, 
To  whose  pure  sources  once  again  we  trace 
Love's  tides,  that  yearning  beat  the  strong,  self- 
centered  earth  ! 
No  weight  of  ages  on  her  swelling  breast 
Can  dull  the  keen  delight  of  opening  Spring.' 

PUT  heart  in  your  work,  whatever  it  is.  If  it 
be  the  lowliest,  simplest  little  task,  it  will 
be  ennobled  by  your  doing  it  well  and  cheer- 
fully, and  taking  real  pleasure  in  it. 

I wonder,"  said  a  young  lady,  "why  Hy- 
men is  always  represented  as  carrying  a 
torch, "  to  which  her  bachelor  uncle  responded, 
"  To  indicate  that  he  always  makes  it  warm  for 
people  who  marry." 


Third  Month. 


MARCH,  1882 


Thirty-one  Days. 


go 


Wed 
Thur 
Fri 
Sat 

a 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 
Tues  I] 
Wed 
Thur 
Fri  II 


Life  insurance 
Phenomena 
for  the  most  health- 
ful portions  of 
the  United  states, 
THE  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  Belgium. 


Cai  kndar  for  Calendar  for 

BOSTON,  NEW  ENGLAND   N- Y.  ClTV  PHlI.AnELPH. 

M  v  Statu  MirmrAN       CONNECTICUT,  NEW 
Wisconsin  Iowa      Jersey,  Pennsylvania, 

aSdNORNECON   A  OHIO.  INDIANA  AND 

 I 


Illinois. 


Calendar  for 
Washington,  Mary- 
land, Virginia, 
Kentucky,  Missouri 
and  California. 


Sun  ,  Sun 
Rises  I  Sets. 


Moon 
Sets. 


H.  W.  Sun  Sun  Moon  H.  W. 
Boston   Rises  Sets.    Sets.    N.  Y. 


President  Garfield 
was  inaugurated 
March  4,  1881 ;  on 
the  following-  day 
the  "Army  and 
Navy  Journal" 
said:  There  is  only 
one  way  to  live  up 
to  one's  income  and 
yet  not  neglect  the 
duty  of  making 
provision  for  the 
future.  That  way 
is  to  utilize  life 
insurance.  In  the 
New- York  Life  In- 
surance Company, 
at  least  forty-eight 
thousand  persons 
have  made  such 
provision  for  their 
future,  trusting  the 
Company  with  a 
faith  which  time 
has  amply  justified. 


|H.  M. 

'  6  36 
o  35 
6  33 

,6  3i 
6  30 
6  28 

1  6  26 


H.M.  !  H.  M.  I 
S  5I|   4  35^ 


6  25 

6  23 

6  21 

6  20 

6  18 

6 

6 

6 

6 

6 

6 

6 

6 

6 

6 

5 

5 

5 

5 

5 

5 

5 

5 

5 


5 
5 
6 
6 
6 
6 
6 
6 

i 

6 

6  11 
6  12 

|6  13 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 


52  5  5 

53  5  33 

54  rises 

55  651 
561  7  49 

57  849 

58  9  50 

59  1052 
o  II  52 
2  morn 

52 

1  47 

2  37 

3  22 

4  3 

4  39 

5  12 
sets 


9  13 

14  10  22 

15  11  26 

17  morn 

18  23 

l9\  1  13 

20 1  1  56 

21  2  34 

22  3  7 
23|  3  34 

4 


H.  M. 

9  9 

10  36 

11  14 


1  38 

2  20 

3  3 
3  53 

5  56 

7  6 

8  14 

9  »S 

10  11  1 

11  2 

11 48 ! 

morn 
34 

1  21 

2  10 

3  o 

3  52 

4  5o 

5  48 

6  45 

7  4i 
831  I 
9  17 


11  M 

6  3 

6 

6 

6 

6 

6 

6 

6 

6 

6 

6 

6 

6 

6 

C 

6 

6 

6 

6 

6 

6 


53 
53 
54 
55 
56 

57  . 

58  847 

59  9  47 

0  10  48 

1  11  48 

2  morn 
48 


H.  M. 

4  3i 

5  3 

5  3i 
rises 

6  50 

7  47 


1  42 

2  33 

3  19 

4  o 

4  38 

5  12 
sets 
7  59 


9  10 
10  18 


12 
13 
14 

15  1 11  21 

16  morn 

17  19 
18 1  1  9 

1  52 

2  30 

3  4 

3  33 

4  1 


19 

20 


H.  M. 

5  54 
641 
7  21 
7  56 
831 
9  9 
9  46 

10  23 

11  2 
11  48 
ev  39 

1  39 

2  42 

3  5i 

4  58 

6  1 

6  57 

7  45 
831 
9  21 

10  7 

10  52 

11  44 
morn 

38 

1  37 

2  34 

3  31 

4  20 

5  16 

6  3 


,  Sun  Sun 
J  j  Rises  j  Sets 

I  H.  M. 
6  33 

6  32 
6  30 
6  29 
6  27 
6  26 


H.M. 

5  54 
5  55 
5  56 
5  57 
5  57 
5  58 


Moon  Moon 
Sets.  South. 


H.  M.  ,  H.  M. 

4  28| IO  6 

5  o  10  49 
5  30  xi  31 
rises  morn 
650  12 


6  24  5  59 
6  23  6  o 
21  6  1 
20  6  2 
18  6  3 


6 

6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 

6  22  I 


i  7  46 
!  844 
9  43 
1044 
11  43 
morn 
42 
1  37 

B  28 

3  i5 

3  57 

4  36 

5  " 
sets 
7  56 
9  6 

10  14 

11  16 
morn 

13 
1  4 

1  47 

2  27 

3  1 
3  3i 


54 

136 

2  20 

3  7 

3  56 

4  47 

5  41 

6  37 

7  34 
831 
9  27 

10  23 

11  17 
ev  12 

1  6 

2  1 

2  57 

3  52 

4  46 

5  39 

6  29 

7  17 

8  3 
846 

9  29 


3  59  10  10  1 


Moon's  Phases. 

Boston. 

New-York. 

Washington. 

Charleston. 

SUN  AT 
NOON  MARK. 

D. 

H.  M. 

H.  M. 

h.  M. 

h.  m. 

D. 

H.  m.  s. 

Full  Moon, 

4 

7  56  Evening. 

7  44  Evening. 

7  32  Evening. 

7  20  Evening. 

I 

12    12  28 

Last  Quarter, 

12 

4  44  Evening. 

4  32  Evening. 

4  20  Evening. 

4  18  Evening. 

9 

12    IO  37 

New  Moon, 

J9 

7  34  Morning. 

7  22  Morning. 

7  10  Morning. 

6  58  Morning. 

17 

12    8  23 

First  Quarter, 

26 

8  49  Morning. 

8  37  Morning. 

8  25  Morning. 

8  13  Morning. 

25 

12    5  59 

THE     NEW-YORK     ALMANAC.  9 


- 


A  Member  of  the  Life-Saving  Service. 


LO 


THE  NEW-YO 


RK  ALMANAC. 


Hvkky  one  ought  to  save  up  money  at  some 
time  of  life.  Ordinarily  a  man  ought  to 
save  in  his  early  manhood.  It  is  a  shame  for  a 
young  man  to  spend  his  whole  income  upon 
himself.  He  may  have  others  dependent  on 
him,  so  that  he  is  thereby  prevented  from  saving 
money,  and  in  such  cases  all  honor  to  him  if  he 
acknowledges  the  claim  of  their  weakness  upon 
his  strength.  It  will  teach  him  the  value  of 
money,  and  keep  him  from  wasting  it  upon 
things  that  bring  no  real  and  permanent  good. 
Do  you  think  the  amount  you  can  invest  is  too 
small  to  amount  to  anything  ?  Consider  life  and 
endowment  insurance.  For  young  men  the  rates 
are  low,  and  a  policy  is  a  good  investment.  The 
five  or  ten  dollars  per  month,  that  seems  so  small 
a  sum  to  put  at  interest,  will  pay  premiums  on  I 
a  policy  for  a  small  fortune,  payable  to  you  in  | 


cash  fifteen  or  twenty  years  from  now.  Of 
course,  it's  of  no  use  to  talk  to  you  at  present 
about  what  you  will  need  when  you  get  married, 
but  you  will  probably  acknowledge  that  $2000, 
payable  to  yourself  at  age  thirty-five  or  forty, 
would  be  worth  thinking  of.  Think  of  it  at 
once,  and  secure  it  by  an  endowment  policy  in 
the  Nkw-York  Life. 

The  true  wealth  of  a  community  lies  in  the 
integrity  of  its  citizens,  and  its  chief  honor 
arises  from  the  possession  of  great  and  true  men. 

A good-natured  traveler  fell  asleep  in  a 
train  and  was  carried  beyond  his  destination. 
"  Pretty  good  joke,  isn't  it?"  said  a  fellow- 
passenger.  "Yes,  but  carried  a  little  too  far," 
was  the  rejoinder. 


Fourth  Month. 


A.PRIL,  1882 


Thirty  Days. 


91 

I 

92 

2 

93 

3 

94 

4 

9l 

5 

96 

6 

9l 

7 

98 

8 

99 

9 

100 

10 

IOI 

11 

102 

12 

103 

13 

104 

105 

I? 

106 

16 

107 

17 

108 

18 

109 

J9 

no 

20 

III 

21 

112 

22 

"3 

23 

114 

24 

115 

25 

Il6 

26 

117 

27 

Il8 

28 

119 

29 

I20 

30 

lifb  insurance 
Phenomena 
for  the  most  health- 
ful portions  of 
the  United  states, 
[HE  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  Belgium. 


Calendar  for 
Boston,  New  England 
N.  Y.  state,  Michigan, 
Wisconsin,  Iowa 
and  Oregon. 


Calendar  for 
N.  Y.  City,  Phii.adelph. 

Connecticut,  new 
Jersey,  Pennsylvania, 
Ohio,  Indiana  and 
Illinois. 


Sat 

Mon 
Tues  I 
Wed  ! 
Thur 
Fri 
Sat 

a 

Mon  [ 
Tues 
Wed  i 
Thur 
Fri  1 
Sat  I 

Mon  I 

Tues 

Wed 

Thur! 

Fri 

Sat 

s 

Mon 
Tues  j 
Wed  j 
Thur  j 
Fri 
Sat 


During  the  month 
of  April,  1881, 
the  New-York  Life 
Insurance  Compa- 
ny paid  53  death- 
claims  on  the  lives 
of  45  persons. 
The  whole  amount 
paid  was  $185,- 
402.00,  an  average 
of  over  $4100  to 
each  family.  The 
premiums  paid,  on 
these  policies,  less 
the  dividends  re- 
turned by  the  Com- 
pany, amounted  to 
$71,306.76,  an 
average  of  less 
than  $1600  to 
each  family.  The 
gain  to  the  families 
of  the  deceased 
was,  therefore, 
$114,095.24,  an 
average  of  over 
$2500  each.  For 
each  $100  paid  to 
the  Company,  they 
received  $260.00. 


Calendar  for 
Washington,  Mary- 
land, Virginia, 
Kentucky,  Missouri 
and  California. 


Sun 

Sun 

Moon 

II.  w. 

Sun 

Rises 

Sets. 

Sets. 

Boston 

Rises 

H.  m. 

H.M. 

H.  M. 

H.  M. 

H.  M. 

5  43 

6  25 

428 

9  58 

5„ 

5  4i 

6  27 

4  53 

1039 

5  42 

5  40 

6  28 

rises 

si  17 

5  41 

5  38  6  29 

7  42 

11  54 

5  39 

5  36 

6  30 

846 

ev  32 

5  37 

5  35 

9  47 

1 13 

5  36 

5  33 

0  32 

Jo  45 

1  59 

5  34 

5  3i 

6  33 

11  42 

2  47 

5  33 

5  3° 

6  34 

morn 

3  38 

5  31 

5  28 , 6  36 

33 

4  37 

5  3=> 

5  26 

6  37 

1  19 

5  4i 

51 

5  25  6  38 

1  58 

6  45 

5  26 

5  23 

6  39 

2  33 

7  5i 

5  25 

5  21 

6  40 

3  9 

851 

5  24 

5  20 

I41 

3  4i 

9  46 

5  22 

5  18 

6  42 

4  '4 

10  37 

5  20 

5  i6|6  43 

4  56 

11  30 

5  i9 

5  15 

°  45 

sets 

morn 

5  ll 

5  13  6  46 

9  6 

10 

5  16 

5  « 

6  47 

10  9 

1  1 

5  i4 

5  10 

6  48 

"  3 

1  49 

5  13 

5  9 

6  49 

"  5i 

2  38 

5  n 

5  7 

6  50 

morn 

3  27 

5  i° 

5  6651 

3i 

4  18 

5  8 

5  4 

6  52 

1  6 

5  10 

5  7 

5  3 

6  53 

1  36 

6  4 

5  6 

5  1 

6  55 

2  4 

6  57 

5  4 

5  0 

6  56 

2  30 

7  46 

5  3 

4  5»  6  57 

2  53 

8  33 

5  2 

4  57 

6  58 

3  21 

9  18 

1  5  0 

H.  M. 

4  27 
4  54 

rises 

7  39 

8  42 

9  42 

10  41 

11  37 

33  morn 

34  29 

35  1  15 

36  1  55 

37  2  31 

38  3  8 

39  3  4i 

40  4  15 

41  4  58 

42  sets 

43  9  2 

44  10  4 

45  1059 
46111  46 

47  morn 

48  27 


491  1  2 

50 1  1  34 
5122 
52  2  29 
531  2  54 
55l  323 


II.  u  . 

Sun 

Sun 

Moon 

Moon 

N.  Y. 

Rises 

Sets 

Sets. 

South. 

H.  M. 

H.  M. 

H.M. 

H.  If. 

H.  II. 

6  44 

5  46 

6  23 

4  27 

10  52 

7  24 

5  44 

0  24 

4  55 

II  34 

7  59 

5  42 

6  25 

rises 

morn 

8  37 

5  4i 

6  26 

7  36 

18 

9  19 

5  39 

6  27 

8  38 

1  4 

10  0 

5  37 

6  28 

938 

1  53 

10  41 

5  36  6  29 

10  36 

244 

11  29 

5  34 

6  30 

11  32 

3  37 

ev  24 

5  33 

6  31  morn 

4  32 

1  24 

5  31 

6  32 

24 

528 

2  27 

5  30  6  33 

1  11 

6  23 

3  3i 

5  28  6  34 

1  52 

7  17 

4  36 

5  2716  35 

2  29 

8  11 

5  36 

5  25  6  36 

3  7 

9  4 

0  32 

5  24 

6  37 

3  4i 

9  57 

7  22 

5  23  6  38 

4  17 

10  50 

813 

5  21 

639 

5  1 

11  50 

8  56 

5  20 

6  40 

sets 

ev  40 

9  47 

5  18 

6  41 

8  57 

1  37 

1033 

5  i7 

6  42 

9  59 

2  33 

11  20 

5  16 

6  42 

10  54 

328 

morn 

5  i4 

6  43 

11  41 

4  20 

12 

5  13 

6  44 

morn 

5  10 

1  5 

5  " 

6  45 

23 

5  57 

156 

5  10 

6  46 

59 

6  42 

2  50 

6  47 

1  3i 

7  25 

3  42 

%  I 

6  48 

2  1 

8  7 

4  30 

5    0  6  49 

2  29 

848 

5  18 

5  5 

6  50 

2  54 

9  30 

6  04 

5    4  6  51 

3  24 

10  14 

Moon's  Phases. 

Boston. 

New- York. 

Washington. 

Charleston. 

SUN  AT 
NOON  MARK. 

D. 

H.  M. 

H.  M. 

H.  M. 

H.  M. 

H.    M.  S. 

Full  Moon, 

3 

1    3  Evening. 

0  51  Evening. 

0  39  Evening. 

0  27  Evening. 

1 

12      3  50 

Last  Quarter, 

11 

1  46  Morning. 

1  34  Morning. 

1  22  Morning. 

1  10  Morning. 

9 

12       I  30 

New  Moon, 

17 

4  54  Evening. 

4  42  Evening. 

4  30  Evening. 

4  18  Evening. 

17 

11  59  27 

First  Quarter, 

25 

2  12  Morning. 

2    0  Morning. 

1  48  Morning. 

1  36  Morning. 

25 

11  57  5o 

L8  THE      NEW-YORK  ALMANAC. 


"/AF  all  the  methods  that  have  been  devised 
V_y  by  man  for  providing  against  the  ordinary 
contingencies  of  life,  there  is  none  which,  for 
immediate  efficacy,  can  be  compared  with  Life 
Insurance.  The  saving  of  actual  money  or  its 
equivalent  is  always  wise,  and  in  many  cases 
one  of  the  first  duties  ;  but,  in  the  vast  majority 
of  instances,  saving  is  a  very  slow  process,  and 
in  the  meantime  there  is  no  guarantee  that  time 
will  be  allowed  for  its  accomplishment.  The 
great  advantage  of  Life  Insurance  is  that  it 
furnishes  the  needed  provision  from  the  very 
beginning." — The  Christian  at  Work. 

T^ALSE  friends  are  like  our  shadow— keeping 
JP  close  to  us  while  we  walk  in  the  sunshine, 
but  leaving  us  the  instant  we  cross  into  the 
shade. 


T^yeky  failure  is  a  step  to  success;  every 
detection  of  what  is  false  directs  toward 
what  is  true  ;  every  trial  exhausts  some  tempting 
form  of  error.    Not  only  so,  but  scarcely  any 
attempt  is  entirely  a  failure  ;  scarcely  any  theory, 
the  result  of  steady  thought,  is  altogether  false  ; 
|  no  tempting  form  of  error  is  without  some  latent 
i  charm  derived  from  truth. —  Whewell. 

A  promise  is  a  just  debt,  which  you  must 
il  take  care  to  pay,  for  honor  and  honesty 
are  the  security. 

OH,  dear!  "  exclaimed  Edith  to  her  doll,  "  I 
do  wish  you  would  sit  still.  I  never  saw 
such  an  uneasy  thing  in  all  my  life.  Why  don  t 
you  act  like  grown  folks  and  be  still  and  stupid 
for  a  while  ?  " 


Fifth  Mouth 


MAY.  L882 


Thirty -one  Days. 


I 

X 

< 

■ 
>• 

F 
z 
0 

Week 

X 

X 

X 

0 

0 

c 

>■ 

> 

< 

< 

< 

121 

I 

Mon 

122 

2 

Tues 

123 

3 

Wed 

124 

4 

Thur 

125 

5 

Fri 

126 

6 

Sat 

127 

7 

Sb 

128 

8 

Mon 

129 

9 

Tues 

130 

10 

Wed 

11 

Thur 

132 

12 

Fri 

133 

13 

Sat 

J34 

14 

Mon 

*35 

15 

136 

16 

Tues 

137 

17 

Wed 

138 

18 

Thur 

139 

x9 

Fri 

140 

20 

Sat 

141 

21 

142 

22 

Mon 

143 

23 

Tues 

144 

24 

Wed 

145 

25 

Thur 

146 

26 

Fri 

147 

27 

Sat 

148 

28 

& 

149 

29 

Mon 

150 

30 

Tues 

151 

31 

Wed 

i.ii  k  insurance 
Phenomena 
for  the  most  health- 
ful portions  of 
the  United  states. 
THE  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  Belgium. 


Calendar  for 
Boston,  New  England 
N.  Y.  State,  Michigan 
Wisconsin,  Iowa 
and  Oregon. 


Sun  Sun  Moon  H.  W 
Rises  Sets.   Sets.  Boston 


During-  the  month 
of  May,  1881, 
the  New- York  Life 
Insurance  Compa- 
ny paid  54  death- 
claims  on  the  lives 
of  49  persons. 
The  whole  amount 
paid  was  $193,- 
865.00.  an  average 
of  over  $3900  to 
each  family.  The 
premiums  paid  on 
these  policies,  less 
the  dividends  re- 
turned by  the  Com- 
pany, amounted  to 
$67,223.54,  an 
average  of  less 
than  $1400  to 
each  family.  The 
g-ain  to  the  families 
of  the  deceased 
was,  therefore, 
$126,641.46,  an 
average  of  over 
$2500  each.  For 
each  $100  paid  to 
the  Company,  they 
received  $288.41. 


,H.  M. 


: 

4 

4 
4 

4  42 
4  41 

4  40 
4  39 
4  38 
4  37 
4  36 
I  4  35 
4  34 
4  33 
4  -2 
4  ?i 
4  31 
4  30 
4  29 

I  4  29 
4  28 

4  27 

I  4  27 
4  26 


H.  M. 

\  a 

rises 

8  39 

9  37 

10  30 

11  16 
11  59 

8  morn 

9  36 
019 

1  2  1 

2  j  2  13 

2  46 

3  23 

4  3 
sets 

8  50 

9  4* 
10  25 
10  58 
"  35 
morn 

4 
3i 
57 

1  22 
148 

2  19 


3  29 


10  46 

11  28 
ev.  9 

56 

1  43 

2  33 

3  26 

4  21 

6  23 

7  24 

8  26 

9  21 

10  15 

11  7 
11  54 
mom 

40 

1  26 

2  13 

2  57 

3  42 

4  28 

5  15 

6  6 

6  57 

7  48 

8  38 

9  28 
<7 


Calendar  for 
n.  y.  city,  philadelph 
Connecticut,  New 
j  e  r  s  e y,  p i-: n  nsyi.v  a  n  i a 
ohio,  indiana  and 
illinois. 


Sun  Sun  Moon  H.  W 
Rises  Sets.   Sets.  I  X.  Y. 


Calendar  for 
Washington.  Mary- 
land, Virginia, 
Kentucky,  Missouri 
and  California. 


Sun  I  Sun  Moon  Moon 
Rises  Sets.   Sets.  South. 


% 

o  6 
59  6 
58  ' 
57 
55 
54 
53 
52 
51 
5  1 


M.    H.  M. 

52 1  3  54 
53 
54 
55 
56 


4  24  11 48  1 

rises  morn  | 
829  39 

9*7  1  32 

57!  10  20  2  27 

58 1 11  08  j  3  23 

59 1 11  52;  4  19 
morn 


31 

1  6 

2  o 

2I5| 
2  50 


5  13 

6  6 

6  58 

7  49 
841 
9  33 


3  29  10  27 

4  11  11  22 
sets  ev  18 
8  40  1  14 


9  9  3i 
10  10  17 
10! 10  51 
11 1 11  30 
morn  1 
1 1 
29 

57 
1  24 

1  52 1 

2  24 


8 

3  ° 

3  49 

4  36 

5  20 

6  2 

6  44 

7  25 

8  8 
852 

9  39 


2  58  ;  10  29 

3  38  in  23 


Moon's  Phases. 

Boston. 

New-York. 

Washington. 

Charleston. 

SUN  AT 
NOON  MARK. 

D. 

H.  M. 

H.  M. 

H.  M. 

H.  M. 

D. 

H. 

M.  S. 

Full  Moon, 

3 

3  47  Morning. 

3  35  Morning. 

3  23  Morning. 

3  11  Morning. 

I 

56  56 

Last  Quarter, 

10 

7  51  Morning. 

7  39  Morning. 

7  27  Morning. 

7  15  Morning. 

9 

II 

56  14 

New  Moon, 

17 

2  49  Morning. 

2  37  Morning. 

2  25  Morning. 

2  13  Morning. 

17 

II 

56  IO 

First  Quarter, 

24 

7  57  Evening. 

7  45  Evening. 

7  33  Evening. 

7  21  Evening. 

25 

II 

56  42 

A  Hungry  Family. 


II 


THE      NEW-YORK  ALMANAC. 


IT  is  not  good  to  be  angry  even  with  those  who 
may  seem  with  malicious  intent  to  assail  our 
most  cherished  beliefs.  A  few  burning  weeds 
may  produce  smoke  enough  to  hide  the  stars, 
but  the  stars  are  shining  all  the  same.  It  is  not 
wise  to  vex  and  weary  ourselves  by  angry  denun- 
ciations of  the  smoke,  which  will  soon  pass  off 
without  our  labor. 

WHETHER  we  view  life  insurance  as  a  pro- 
tection for  the  family  or  for  the  estate,  it  is 
a  thing  that,  once  entered  upon,  in  most  cases 
ought  to  be  continued  to  the  end  first  contem- 
plated. The  interests  it  protects  are  so  precious, 
and  the  fact  that  present  appearances  and  prospects 
are  always  liable  to  deceive,  make  continuous 
insurance  the  only  safe  course.  Men  who  die 
in  the  prime  of  life  usually  die  of  diseases  or 


accidents  which  come  suddenly  and  without 
warning  ;  and  the  uncertainty  of  riches  is  pro- 
verbial. Who  has  not  seen  the  strong  man 
cut  down  in  his  strength,  and  fortunes  vanish 
in  a  day?  What  has  been  shall  be  again,  to 
the  end  of  time. 

~\  M ANY  a  sweetly  formed  mouth  has  been 
IV 1  disfigured  and  made  hideous  by  the  fiery 
tongue  within  it. 

•V  \  M.  dear  !  "  exclaimed  a  young  lady  enter- 
\J  ing  a  public  hall  the  other  evening,  "  what 
a  dreadful  odor  of  carbureted  hydrogen  ! 
"  Mum  ?  "  said  the  janitor,  with  a  puzzled  coun- 
tenance. "  The  smell  of  the  carbureted  hydro- 
gen," she  explained.  "  That's  i<o  kind  o'  gin, 
mum,"  replied  the  janitor  ;  "  that  s  garss ;  the 
pipes  are  leakin',  mum." 


Sixth  Month. 


JUNE,  1.N82. 


Thirty  Days. 


< 

NTH. 

u 

1 

Life  Insurance 
Phenomena 

Calendar  for 
Boston,  New  England 

Calendar  for 
N.Y.cmr,  philadelph. 

Calendar  for 
Washington,  Mary- 

H 

0 

Ui 

£ 
u. 

c 

FOR  THE    MOS 1  HEALTH- 

N. y.  state,  Michigan, 

CONNECTICUT, 

iN  EW 

land,  Virginia, 

> 

o 

S 
u. 
0 

FUL  PORTIONS  OF 
THE  UNITED  STATES, 

the  Dominion  of  Canada. 

Wisconsin,  Iowa 
and  Oregon. 

jersey,  pennsylvania, 
Ohio,  Indiana  and 
Illinois. 

Kentucky,  MISSOURI 
and  California. 

C.kKAT   RR1TAIN  AND 

> 
< 

% 

> 
< 

Ireland, 
France  and  BELGIUM. 

Sun 

Sun 

Moon  1  H.  W. 

Sun 

Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

Moon 

a 

Q 

c 

Rises 

Sets. 

Rises  Boston 

Rises 

Sets. 

Rises 

N.  Y. 

Rises 

Sets 

Rises 

South. 

The  month  of  June, 

H.  M. 

H.M. 

H.  M.  H.  M. 

H.  M. 

H.M. 

H.  M. 

H.M. 

H.  M. 

H.M. 

H.  M. 

H.  M. 

152 

1 

Thur 

1881,  is  memorable 

4  25 

7  3° 

rises  11  6 

4  3i 

7  24 

rises 

7  50 

43« 

7  19 

rises 

morn 

153 

2 

Fri 

on   account  of  its 

4  25 

7  3° 

8  13  11  54 

4  30 

7  25 

8  9 

8  37 

4  36 

7  i9 

8  4 

18 

154 

3 

Sat 

disastrous  storms, 

4  25 

7  3i 

9  16  ev  41 

4  30 

7  26 

91l 

9  27 

4  36 

7  20 

9  7 

ii5 

155 

4 

involving-  destruc- 

4 24 

7  32 

10 

0    1  31 

4  30 

7  26 

9  56 

IO  16 

4  35 

7  21 

9  53 

213 

156 

5 

Mon 

tion  of  property; 

4  24 

7  32 

10  39 1  2  20 

1  4  29 

7  27 

10  36 

"  3 

4  35 

7  21 

10  33 

3  9 

157 

6 

Tues 

the  month  of  June, 

4  24 

7  33 

11  11    3  10 

4  29 

7  28 

11  10 

11  55 

4  35 

7  22 

11  8 

4  3 

158 

7 

Wed 

1880,  was  charac- 

4 23 

7  33 

11  36    4  1 

4  29 

7  28 

11  36 

ev48 

4  34 

7  23 

"  37 

4  55 

J59 

8 

Thur 

terized  by  fiery 

4  23 

7  34  morn    4  57 

4  29 

7  29 

morn 

1  44 

4  34 

7  23 

morn 

5  46 

160 

9 

Fri 

heat,  and  repeated 

4  23 

7  35 

16    5  56 

4  28 

7  3° 

16 

2  42 

4  34 

7  24 

17 

6  37 

161 

10 

Sat 

disasters  on  land 

4  23 

7  36 

49    7  0 
1  21    8  0 

4  28 

7  3° 

49 

3  45 

|  4  34 

7  24 

50 

7  28 

162 

11 

and  water,  involv- 
ing" the  loss  of  many 

4  22 

7  36 

4  28 

7  3i 

1  24 

4  45 

4  34 

7  25 

1  27 

8  20 

163 

12 

Mon 

4  22 

7  37 

1  59    9  1 

|4  28 

7  31 

2  2 

546 

4  34 

7  « 

2  6 

913 

164 

13 

Tues 

lives.    The  loss 

of 

4  22 

7  37 

2  42 1  9  56 

4  28 

7  32 

2  46 

6  42 

4  34 

7  20 

2  51 

10  8 

165 

14 

Wed 

property  is  un- 

4 22 

7  38 

3  29 , 10  50 

4  28 

7  32 

3  34 

7  34 

4  34 

7  26 

3  39 

"  3 

166 

15 

Thur 

pleasant,  the  loss  of 

4  22 

7  38 

4  21; 11  35 

4  28 

7  32 

4  26 

817 

4  34 

7  26 

4  3i 

11  57 

167 

16 

Fri 

friends   is  painful, 

4  22 

7  38 

sets  morn 

4  28 

7  33 

sets 

9  6 

1  4  34 

7  27 

sets 

ev  50 

168 

*7 

Sat 

the  loss  of  both 

at 

4  22 

7  39 

9 

0  20 

4  28 

7  33 

8  56 

9  49 

4  34 

7  27 

852 

1  41 

169 

18 

Mon 

the   same  time 

is 

4  22 

7  39 

9  35    1  3 

4  28 

7  33 

9  32 

10  29 

4  34 

7  28 

9  28 

2  29 

170 

x9 

often  distressing  in 

4  22 

7  39 

10 

6    1  45 

4  28 

7  34 

10  4 

11  8 

4  34 

7  28 

10  1 

3  H 

171 

20 

Tues 

the  extreme. 

It 

4  23 

7  40  10  33    2  25 

4  29 

7  34 

10  32 

11  49 

4  34 

7  28  1 10  30 
7  28  10  58 

3  57 

172 

21 

Wed 

should  be  provided 

4  23 

7  4° 

io  59    3  4 

4  29 

7  34 

10  58 

morn 

4  34 

4  39 

173 

22 

Thur 

against  by  life  in- 
surance. Insurance 

4  23 

7  40 

"  25 1  345 

4  29 

7  34 

11  26 

31 

4  35 

7  28 

11  26 

521 

*74 

23 

Fri 

4  23 

7  40 

11  49    4  29 

4  29 

7  34 

"  5i 

1  16 

4  35 

7  29 

11  52 

6  2 

175 

24 

Sat 

cannot  save  life,  but 

4  23 

7  40 

morn ;  5  15 

4  29 

7  35 

morn 

2  1 

4  35 

7  29 

morn 

6  45 

176 

25 

it 

will  save  what 

4  24 

7  4i 

171  6  7 

4  3° 

7  35 

J9 

2  53 

4  3l 

7  29 

22 

7  3i 

177 

26 

Mon 

remains  of  the 

4  24 

7  4i 

5o,  7  3 

4  30 

7  35 

53 

3  48 

|4  3j 

7  29 

56 

819 

178 

=7 

Tues 

broken  home,  and 

4  24 

7  41 

1  24    7  59 

4  3° 

7  35 

1  28 

4  45 

4  36 

7  29 

1  32 

9  10 

179 

28 

Wed 

will  prevent  death 

4  25 

7  40 

2 

5  858 

4  29 

7  35 

2  10 

5  43 

4  37 

7  29 

2  15 

10  5 

180 

29 

Thur 

from  bringing  finan- 

4 25 

7  40    2  56,  9  54 

4  29 

7  35 

3  0 

6  40 

4  37 

7  29 

3  5 

11  2 

181 

30 

Fri 

cial  ruin  upon  all. 

4  26 

7  40 

3  5411049 

4  29 

7  35 

3  58 

7  33 

1  4  37 

7  29 

4  3 

12  0 

Moon's 

Phase 

s. 

Boston. 

NEW-YORK. 

Washington. 

CHARLESTON. 

SUN  AT 
|      NOON  MARK. 

D. 

H.  M. 

H. 

M. 

H.  M. 

H.  M. 

D. 

H. 

M.  S. 

Full  Moon, 

3  49  Evening. 

3  37  Evening. 

3  25  Evening. 

3  13  Evening. 

I 

11  57  34 

Last  Quarter, 

8 

0  26  Evening. 

0 

14  Evening. 

0    2  Evening. 

11  50  Morning. 

9 

11 

58  58 

New  Moon, 

15 

1  49  Evening. 

1 

37  Evening. 

1  25  Evening. 

1  1 

3  Evening. 

12 

O  38 

First  Quarter, 

23 

1  17  Evening. 

1 

5  Evening. 

0  53  Evening. 

0  4 

/  Evening. 

1  25 

12 

2  22 

it; 


THE      NEW-YORK  ALMANAC. 


As  the  man  of  pleasure,  by  a  vain  attempt 
to  be  more  happy  than  any  man  can  be,  is 
often  more  miserable  than  most  men  are,  so  the 
skeptic,  in  a  vain  attempt  to  be  wise  beyond 
what  is  permitted  to  man,  plunges  into  a  dark- 
ness more  deplorable  and  a  blindness  more 
incurable  than  that  of  the  common  herd,  whom  he 
despises  and  would  fain  instruct.  For,  the  more 
precious  the  gift  the  more  pernicious  ever  will  be 
the  abuse  of  it,  as  the  most  powerful  medicines 
are  the  most  dangerous  if  misapplied,  and  no 
error  is  so  remediless  as  that  which  arises,  not 
from  the  exclusion  of  wisdom,  but  from  its 
perversion. 

Silence  is  generally  safe,  and  generally  pru- 
dent, but  there  are  times  when  it  is  dis- 
graceful to  be  silent. 


IF  experience  teaches  anything  concerning  the 
duty  of  a  man  who  has  insured  his  life,  it  is 
keep  up  your  policy.  Not  only  is  it  true  that 
you  might  not  be  able  to  get  another  one  should 
you  drop  the  one  you  have,  but  continuous 
insurance  is  always  cheaper  and  safer  than  inter- 
mittent insurance.  You  cannot  reap  the  full 
benefit  of  your  contract  except  by  completing  it. 
The  premium  rates  are  graded  according  to  the 
age  at  the  time  of  insuring,  being  lower  for 
younger  men.  Therefore,  the  man  who  has  a 
policy  and  gives  it  up,  expecting  to  insure  again, 
must  run  two  risks  and  submit  to  one  certain 
loss,  viz.  :  the  risk  of  dying  before  applying  for 
new  insurance,  and  the  risk  of  being  rejected 
when  he  does  apply,  and  the  certainty  of  having 
to  pay  higher  premium  rates.  Better  live  with 
insurance  tlum  die  ivithout  it  I 


Seventh  Month 


JULY,  L882 


Thirty-one  Days. 


X 

bj 
H 
M 

£ 

Year. 

Mont 

ki 

b 

0 

0 

0 

> 

>• 

>•  1 

< 

< 

Q 

i 

O 

182 

1 

Sat 

183 

2 

184 

3 

Mon 

185 

4 

Tues 

186 

5 

Wed 

187 
188 

6 

Thur 

7 

Fri 

189 

8 

Sat 

190 

9 

191 

10 

Mon 

192 

11 

Tues 

J93 

12 

Wed 

194 

13 

Thur 

196 

14 

Fri  | 

15 

Sat 

197 

16 

198 

17 

Mon 

199 
200 

18 

Tues 

*9 

Wed 

201 

20 

Thur 

202 

21 

Fn 

203 

22 

Sat  1 

204 

23 

205 

24 

Mon 

206 

25 

Tues 

207 

26 

Wed 

208 

27 

Thur 

209 

28 

Fri 

210 

29 

Sat  j 

211 

30 

212 

3i 

Mon 

Life  Insurance 
Phenomena 
for  the  most  health- 
ful portions  of 
the  United  states, 
1  he  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  Belgium. 


Calendar  for 
Boston,  New  England 
n.  Y.  State.  Michigan, 
Wisconsin,  Iowa 
and  Oregon. 


"Independence 
Day  "  comes  in  July 
this  year.  There  is 
sure  to  be  much 
powder  burned, 
and,  in  all  probabil- 
ity, some  lives  will 
be  lost.  One  does 
not  need  to  be  a 
prophet  to  know 
that.  Yet,  probably 
no  one  goes  to  a 
celebration  with  the 
thought  that  that 
day  will  be  his  last. 
But  death  comes 
unexpectedly,  not 
only  to  those  who 
die  from  accident 
but  to  nearly  every 
one,  so  that  what- 
ever preparation  is 
to  be  made  for  it 
must  usually  be 
made  when  it  seems 
afar  off.  If  you  are 
going-  to  die  insured 
you  must  insure 
while  you  are  in 
good  health.  July 
1st  is  a  good  day. 


Sun  ■  Sun  Moon  H.  W 
Rises  Sets.  Rises  Boston 


26  7 

26  7 

27  7 

28  7 

29  7 


M.    11.  M. 

40  rises 
40  8  36 
40  9  14 
4°  9  48 
39, 10  19 
39; 10  51 

39  "  34 
38  12  o 
38  morn 

38|  40 

1  26 

2  15 

4  6 
sets 
8  6 

8  35 

9  2 
9  27 
9  54 

30 I 10  20 
30  10  51 
29 1 11  22 
28  11  59 
27  j  morn 
26  44 
25  137 
24  2  38 
23  3  46 
22  rises 
21 1  7  55 


H.  M. 
II  38 

ev  26 

1  15 
=  5 

2  51 

3  4° 

4  35 

5  33 

6  37 

7  4i 
844 
9  4o 

10  30 

11  17 
11  58 
morn 

35 
1  13 

1  52 

2  28 

3  6 

3  47 

4  33 

5  26 

6  24 

7  26 
831 
9  3i 

10  29 

11  20 
ev  10 


Calendar  for 
n.  Y.  City,  Philadelph 
Connecticut,  New 
Jersey,  Pennsylvania 
Ohio,  Indiana  and 
Illinois. 


Sun  Sun  Moon  H.  W, 
Rises  Sets.   Rises   N.  Y. 


44  7 

44  I  7 

45  7 
46|7 
47  7 
48,7 
48|7 
4917 
5o|7 

51  7 

52  7 

53  7 
5417 
5517 


H.  M. 

rises 

8  33 

9  12 

9  47 
10  19 
10  53 
"  37 
morn 

3 
45 

1  30 

2  20 

3  i4 

4  11 
sets 
8  4 

8  34 

9  1 
9  27 
9  55 


26  10  23 
25  10  54 
24  11  25 
23  morn 


3 
49 

1  41 

2  42 

3  5o 
rises 
7  54 


8  20 

9  *3 

10  1 

ji°47 

11  35 
ev  26 

1  22 
219 

3  23 

4  26 

5  29 

6  26 

!  715 

7  59 

I  842 
921 

10  o 

10  36 

II  51 

morn 

33 

1  20 

2  12 

3  10 

4  12 

5  16 

6  18 

7  i4 

8  3 
8  55 


Sun  Sun  Moon  Moon 
Rises  j  Sets.  Rises  South. 


Calendar  for 
Washington,  Mary- 
land, Virginia, 
Kentucky.  Missouri 
and  California. 


h.m  Ih.  M.  I  H.  M. 

7  29  rises  morn 
29j  8  30  58 
29  9  10 1  1  55 
28  9  46  1  2  50 
28  10  19  j  3  43 
28  1054  434 
28  J 1 1  39 ;  5  26 
27  morn 


7 
49 

1  35 

2  25 

3  19 


617 

7  9 

8  3 

8  57 

9  51 
10  43 


4  I5|n  34 
sets  ev  23 

9 


1  53 

2  36 

3  i/ 

3  59 

4  4i 

5  24 

6  10 


8  32 

9  1 
9  27 
9  56 

21 ! IO  24 

10  57 

11  29 

morn    6  59 
8  I  751 
54;  846 

1  46 j  9  43 

2  47  10  42 

3  54 j 11  4° 
rises  morn 
7  52 1  37 


Moon's  Phases. 


D. 

Full  Moon, 

1 

Last  Quarter, 

7 

New  Moon, 

15 

First  Quarter, 

23 

Full  Moon, 

30 

H.  m. 

1  24  Morning. 
5    8  Evening. 

2  17  Morning. 
5  33  Morning. 
9  18  Morning. 


New-York. 


12  Morning. 
56  Evening. 

5  Morning. 
21  Morning. 

6  Mornine. 


Washington. 


h.  m. 

1    o  Morning. 

4  44  Evening. 
1  53  Morning. 

5  9  Morning. 
8  54  Morning. 


Charleston. 


h.  m. 

0  48  Morning. 
4  32  Evening. 

1  41  Morning. 
4  57  Morning. 
8  42  Morning. 


18 


THE      NEW -YORK  ALMANAC 


WE  arc  accustomed  to  regard  it  as  the  ordi- 
nary course  of  nature  that  a  man  should 
live  to  the  age  of  threescore  years  or  more,  yet 
not  one-half  of  those  born  into  the  world  do  so. 
Of  those  who  live  to  the  age  of  ten,  not  quite 
one-half  reach  the  age  of  sixty-five.  Of  those 
who  live  to  be  thirty,  at  which  age  we  may  sup- 
pose most  have  families  dependent  upon  them, 
more  than  one-thirteenth  die  before  they  reach  forty, 
and  more  than  cue-SWT  l\  before  they  reach  fifty. 
That  a  man  with  a  dependent  family  should  be 
anxious  to  provide  for  them  against  so  obvious 
a  danger  is  not  strange.  Life  insurance  saves 
all  that  can  be  saved  from  the  ruins  of  such 
broken  homes,  and  prevents  the  death  of  one 
from  blighting  the  future  of  all. 

Never  try  to  read  when  it  is  laborious  ;  the 
memory  will  not  retain  a. 


"  r  pHE 

1  I'A 


New-York  I. mi.  INSURANCE  (  !OM- 
PANV  has  long  been  a  prominent  exemplar 
of  what  life  insurance  may  be  and  do  when 
properly  conducted.  It  has  passed  unshaken 
through  two  wars  and  great  financial  crises,  and 
is  now  larger,  stronger,  and  better  equipped  in 
experience  and  facilities  than  ever  before.  Its 
assets  have  more  than  doubled  during  the  past 
eight  years.  This  vigor  and  vitality  shows  that 
age  brings  to  this  Company  what  it  takes  from 
men.  It  has  grown  solidly,  from  its  original 
position  as  one  of  the  pioneers,  combining  pro- 
gressiveness  with  caution,  liberality  with  justice, 
equity  with  firmness,  and  the  highest  reputation 
with  the  corresponding  character."* — Brooklyn 
Union -Argus,  February  /j,  1SS1. 

Josh  Hillings  has  found  one  thing  that  money 
cannot  buy,  and  that  is  the  wag  of  a  dog's 
tail.  It  is  an  honest  expression  of  opinion  on 
the  part  of  the  dog. 


Eighth  Month. 


AUGUST,  1882 


l'lurty-onf  Jhiys. 


< 

NTH.  j 

i 

Life  insukanci 
Phenomena 

Cai.i-.ndar  for 
Hos'Ion.  New  Enci.and 

calendar  foe 

\.  Y.Cl  1  V,  PHILADBLPH. 

Calendar  for 
WASHINGTON,  Mak\ 

O 

lOR  Till:    MOST  HEALTH- 

N.Y. 

Si  A  1       Ml<  "IIK.AN. 

Connecticut,  New 

Jl-RSEY,  I'ENNSYI.V AN  1  \. 

Ohio,  Indiana  and 
illinois. 

LAND,  VIRGINIA, 

> 

0 

s 

h 

0 

PUL  PORTIONS  OF 
THE  UNITED  STATES. 

THE  Dominion  of  CANADA, 

Wisconsin,  Iowa 
and  Oregon. 

Kentucky,  MISSOURI 
and  California. 

? 

Great  Brh  a  in  and 
Ireland, 

< 

Sun 

Sun 

Moon 

H.  W. 

Sun  |  Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

Moon 

1 

!_ 

FRANCE  AND  BELGIUM. 

Rises 

Sets. 

Rises 

Boston 

Rises  |  Sets. 

Rises 

N.  Y. 

Rises 

Sets. 

Rises 

South. 

II.  M. 

H.M. 

H.  M. 

H.  Ma 

H.  M.  1  H.M. 

H.  M. 

H.  M. 

H.  M. 

H.M. 



H.  M. 

H.  M. 

213 

Tues 

August  is  a  bad 

4  52 

7  20 

8  20 

ev  56 

4  56  7  16 

8  19 

9  42 

5  0 

7  11 

8  19 

1  32 

214 

2 

Wed 

month  not  to  be  in- 

4 53 

7  18 

8  54 

1  42 

4  57 j 7  14 

8  54 

10  26 

5    1  7  10 

8  55 

2  26 

215 

3 

Thur 

sured  in.  Long- 

1  4  54 

7  17 

9  27 

2  31 

4  58 J 7  13 

9  29 

II  14 

5  2 

7  1 

9  3i 

3  20 

216 

4 

Fri 

continued  heat 

14  55 

7  16 

10 

2 

3  20 

4  59 1 7  12 

10  5 

ev.  5 

5  J 

7  8 

10  8 

4  13 

217 

5 

Sat 

brings  about  a  con- 

4 56  7  15 

10  42 

4  12 

5   07  11 

1045 

1  0 

5  4 

7  7 

10  49 

5  6 

218 

6 

dition  of  the  atmos- 

4 57 

7  M 

11  25 

5  12 

5    1 17  10 

11  3c 

1  58 

5  5 

7  6 

11  34 

5  59 

219 

7 

Mon 

phere  conducive 

to 

4  58  7  12 

morn 

6  15 

5279 

morn 

3  4 

5  6 

7  5 

morn 

6  53 

220 

8 

Tues 

fevers,  and  diseases 

4  59 

7  11 

13 

7  22 

5    3  7  7 

18 

4  7 

5  6 

7  4 

23 

7  47 

221 

9 

Wed 

of  the  bowels.   It  is 

5  0 

7  10 

6 

825 

5    4  7  6 

1  10 

5  10 

5  7 

7  2 

1  15 

840 

222 

70 

Thur 

a  long  month,  too  — 

5  1 

7  8 

1 

0 

9  19 

5    5  7  5 

2  5 

6  5 

5  8 

7  1 

2  10 

9  3i 

223 

11 

Fri 

longer  than  it  used 

5  2 

7  7 
7  6 

9 

10  8 

5    67  4 

3  i3 

6  54 

5  9 

7  0 

3  17 

10  20 

224 

12 

Sat 

to 

be  —  and  "  dog- 

5  3 

3  57 

10  53 

5    7  7  2 

4  0 

7  36 

5  10 

6  59 

4  4 

11  6 

225 

13 

days"  every  one. 

5  4 

7  4 

4  55 

11  31 

5    87  1 

4  58 

8  14 

5  n  o  58 

5  1 

11  51 

226 

M 

Mon 

Julius  added  a  day 

7  3 

sets 

morn 

5    9  7  0 

sets 

852 

5  12 

6  56 

sets 

ev  34 

227 

15 

Tues 

to 

it  when  he  re- 

f  6 

7  1 

7  3i 

7 

5  10  6  58 

7  3i 

9  27 

5  13 

6  54 

7  3i 

1  15 

228 

16 

Wed 

formed   the  calen- 

5 7 

7  0 

7  58 

4i 

5  «  6  57 

7  59 

10  3 

5  14 

6  53 

8  0 

1  57 

229 

17 

Thur 

dar,  and  Augustus 

5  8 

6  58 

8  23 

1  17 

5  12  6  55 

825 

10  37 

5  15  6  52 

8  26 

2  38 

230 

18 

Fri 

gave  it  another  for 

5  10 

6  57 

8  52 

153 

5  13  6  54 

8  54 

11  15 

5  16  6  51 

8  57 

3  21 

231 

19 

Sat 

its   name,  robbing 

5  " 

6  55 

9  22 

232 

5  14  6  53 

9  26 

11  57 

5  17 

6  50 

9  29 

4  5 

232 

20 

is 

poor  February 

in 

5  12 

6  54 

9  57 

3  12 

5  15  6  51 

10  1 

morn 

5  17 

6  48 

10  5 

4  52 

233 

21 

Mon 

order  to  do  it.  The 

5  13 

6  52 

10  38 

3  58 

5  16  6  50 

10  42 

44 

5  18 

6  47 

10  47 

5  4i 

234 

22 

Tues 

only  advantage 

to 

5  14 

6  51 

11  26 

4  52 

5  17  6  48 

11  31 

1  39 

5  19 

6  45 

11  36 

6  34 

235 

23 

Wed 

us  is  that  there  are 

5  i5 

6  49 

morn 

5  53 

5  17  6  47 

morn 

2  39 

5  20 

6  44 

morn 

728 

236 

24 

Thur 

more  days  in  Au- 

5 16 

6  48 

20 

7  0 

5  18  6  45 

25 

3  45 

5  21 

643 

30 

825 

237 

25 

Fri 

gust  in  which  we 

5  t-1 

6  46 

1  24 

8  8 

5  19  6  44 

1  28 

4  52 

5  22 

6  41 

1  33 

922 

238 

26 

Sat 

may  insure  our 

5  18 

6  44 

2  34 

9  10 

5  20  6  42 

2  37 

5  55 

5  23 

6  40 

2  41 

10  19 

239 

27 

lives.  But  there  are 

5  19 '6  43 

3  47 

10  7 

5  21  6  41 

3  50 

6  53 

5  24 

6  38 

3  53 

11  16 

240 

28 

Mon 

more  in  which 

to 

5  20 

6  41 

rises 

11  1 

5  22  6  39 

rises 

7  44 

5  25 

6  37 

rises 

morn 

241 

29 

Tues 

die,  also.  Therefore 

5  21 

6  39 

651 

11  48 

5  231 6  37 

651 

831 

5  26 

6  35 

651 

12 

r>4? 

30 

Wed 

insure,  and  fear  not. 

5  22 

6  38 

7  25 

ev35 

5  24  6  36 

7  26 

9  21 

5  26 

6  34 

7  28 

*  7 

243 

3i 

Thur 

5  23  b  36 

8 

1  22 

5  25  6  34 

8  4 

10  8 

5  27 

6  32 

8  6 

2  2 

Moon's 

Phases. 

HOSTON. 

New-York. 

Washington. 

Charleston. 

SUN  AT 
NOON  MARK. 

D. 

H.  M. 

H. 

M. 

H.  M. 

H.  M. 

D. 

H. 

m.  s. 

Last  Quarter, 

5 

11  29  Evening. 

11 

17  Evening. 

11    5  Evening. 

10  53  Evening. 

12 

6  4 

New  Moon, 

13 

4  26  Evening. 

4 

14  Evening. 

4    2  Evening. 

3  50  Evening. 

9 

5  15 

First  Quarter,  1 

21 

8  11  Evening. 

7  59  Evening. 

7  47  Evening. 

7  35  Evening. 

1  l7 

12 

3  5o 

Full 

Moon, 

28 

4  35  Evening. 

4  23  Evening. 

4  11  Evening. 

3  59  Evening. 

1  25 

12 

1  " 

20 


THE      NEW -YORK  ALMANAC 


BE  true  to  yourself  for  that  which  you  recog- 
nize as  right ;  be  ready,  not  merely  to  die 
for  it,  for  that  is  easy  ;  but  to  live  for  it,  and 
that  is  almost  always  difficult. 

^TMHS  i.->  the  way  the  Insurance  Age  puts  it  : 
1  "  The  meanest  of  all  men  is  he  who  makes 
a  pretense  of  loving  a  woman  ;  deprives  her  of 
all  other  chances  in  the  world  by  appropriating 
her  to  himself;  sees  her  youth  and  beauty 
expand  in  his  service ;  sees  her  become  the 
mother  of  his  children,  and  refuses  to  secure 
her,  by  life  insurance,  the  provision  she  might 
have  saved  from  the  wages  of  a  hired  servant !  ' ' 
Pretty  strong,  isn't  it  ? — especially  the  latter  part. 
But  it  is  only  strong  in  proportion  as  it  is  true, 
and  it  will  not  hurt  any  one  to  whom  it  does  not 
apply.    If  any  one  feels  in  danger,  the  New- 


York  LlFB  will  sell  him  a  complete  suit  of  armor 
warranted  proof  against  all  such  gibes  and 
taunts. 

PCENK.  — The  river's  bank.  Spectator  con- 
O  cealed  behind  tree,  watching  angler:  "I've 
been  watching  that  fellow  fishing  for  the  last  four 
hours,  and  he  hasn't  had  even  a  bite  in  that 
period.    He  must  have  the  patience  of  Job  ! " 

Littlk  Pearl  sat  thoughtfully  regarding  a  long 
row  of  dolls  before  her,  her  tiny  head  har- 
assed by  all  the  care  of  a  large  and  varied  family. 
"  Mamma,"  she  said  at  last,  "  1  can  t  ever  be 
really  married  ;  it  is  so  much  trouble  to  take  care 
of  children.  I  don't  know  what  I  should  do  if  it 
weren't  that  I'm  going  to  marry  off  my  eldest 
doll  to  my  toy  elephant." — Boston  Courier. 


Ninth  Mouth. 


SEPTEM  BER,   1  882 


Thirty  Days. 


244 
245 
-4  6 
247 
248 
249 

850 

251 

252 
-53 
-54 
255 
256 
-57 
258 

I  2I9 
260 

201 

262 

263 

264 

265 

I  266 
267 
268 

!  269 
270 
271 

I  272 
?73 


Fri 

Sat 

& 

Mon 

Tues 

Wed 

Thur  I 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

a 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 


LIFE  INSURANCE 

Phenomena 

FOR  THE    MOST  HEALTH- 
FUL PORTIONS  OF 
THE  UNITED  STATES. 
THE  Dominion  of  Canada, 
Great  Britain  and 

I R  EL  AND, 

France  and  BELGIUM. 


In  September  the 
waning-  heat  of 
summer  and  the 
advancing-  cold  of 
winter  meet,  and, 
for  a  season,  frater- 
nize. Night  and 
day  become  of  equal 
duration.  It  is  a 
good  time  to  live— 
a  time  of  the  golden 
mean  in  tempera- 
ture and  light  and 
labor  and  expecta- 
tion. Not  all  we 
hoped  in  spring  has 
been  realized,  not 
all  we  feared  has 
come  to  pass.  So 
life  insurance 
equalizes  the  com- 
forts of  early  and 
later  days.  It  takes 
away  money  now 
that  it  may  save 
from  poverty  in 
days  to  come.  We 
have  a  little  less 
now  that  our  fami- 
lies may  have  much 
more  when  we  die. 


CALENDAR  FOR  v.     CALENDAR  FOE 

BOSTON,  NEW  ENGLAND  N  •  >  •  <- IT  V,  I'm  I.ADKIT'H. 
N  Y  SiATF  MiniK  AN         CONNECTICUT,  NEW  , 
Wisconsin    Iow\     '  JERSEY. PENNSYLVANIA. 
and  Oregon.  Ohio,  Indiana  and 


Illinois. 


Calendar  for 

Washington,  Mary- 
land, Virginia, 
Kentucky,  Missouri 
and  California. 


Sun  Sun  Moon  H.  W.  Sun  Sun  Moon 
Rises  Sets.   Rises  Boston   Kises  Sets.  I  Rises 


H.  M.    H.M.   H.  M.   H.  M .     H.  M.    H.M.   H.  M. 


5  24  6 
5  2616 
5  27  6 
5  28  6 
5  29  [6 
5  30  6 
5  3i  6 
5  32  6 

5  33  6 
5  34  6 
5  35  6 
5  36  6 
5  37  6 
5  38  6 

5  39  6 
5  40  6 
5  4i  6 
5  43  6 
5  44  6 
5  45  6 
5  46  6 
5  47  5 
5  48  5 
5  49  5 
5  50 '5 
5  5i  i5 
5  52  5 
5  53  5 
5  54  5 
IS 


8  40 

9  34 


35 
331 
3 1  10  1 1 


28  11  57 
26  morn 


54 

1  52 

2  50 

3  46 

4  46 

5  42 
sets 
656. 
7  24 

7  58 

8  37 

9  22 

10  11 

11  10 
morn 

14 

1  24 

2  35 , 

3  49' 
5  6 
rises . 
633! 

4 


2  10 

3  o 

3  54 

4  53 

5  55 
7  o 
7  57 
851 
9  38 

10  20 

11  o 

"  34 
morn 
10 
46 

1  24 

2  4 

2  47 

3  33 

4  27 

5  29 

6  36 

7  42 
846 

9  43 

10  36 

11  24 
ev  10 


26  6  33 

27  6  31 

28  6  29 

29  6  28 


30  6  26 

31  6  25 

32  6  23 
5  33  6  21 
5  34  6  20 
5  35  6  18 
5  36  6  16 
5  37  6  15 
5  33  6  13 
5  39  6  11 
5  40  6  9 
5  41  6  8 


H.W.     Sun      Sun  Moon 

N.Y.j  Rises!  Sets  Rises 


8  43 

9  38 

10  15 

11  7 
morn 

2 
58 

1  55 

2  S2i 

3  48 

4  47 

5  42 1 
sets 

6  58 


H.  M.  H.  M.    H.M.    H.  M. 

10  52  5  28 

11  44  5  29 

ev4o  5  30 

Mo  5  3i 

2 41  5  32 

3  45  5  33 


Moon 
South. 


51 


5  43 
5  49 
5  50 
5  5i 

5  52; 
5  53' 
5  54; 
54 


4  42 

5  36 

6  24 

7  6 

7  43 

8  16 

8  55 

9  32 

7  27  10  10 

8  2  1046 

8  41  11  29 

9  25;  morn 
to  16 


11  16! 
morn 
18 

1  27 

2  37 

3  5o 

5.  6 

rises 
6  36 


19 

1  14 

2  15 

3  22 

4  27 

5  3i 

6  29 

7  21 

8  7 
3  56 


7  20 1  9  47 
"   9 1 10  35 


5  34 
5  35 
5  35 

5  36 
5  37 
?8 

39 
40 
41 
42 
43 
44 
44 
45 
46 
4; 
43 
49 
50 
5i 
52 
53 
54 
55 


6  31  8  47 

6  29  9  42 

6  28  10  20 

6  26  11  12 

6  25  morn 

623  7 

62;  12 


6  21 
6  20 
6  18 
6  17 
6  15 
6  14 
6  12 
6  10 
6  9 
6  7 
6  6 
6  4 
6  2 
6  1 

\% 

5  56 
5  54 
5  53 
5  5i 
5  5o 
5  48 
5  46 


1  59 

2  55 


2  57 

3  52 

4  48 

,5  42 

6  36 

728 

8  17 

9  4 
9  49 


3  50  10  32 

4  48  11  15 

5  42  in  56 
sets  ev  38  ! 
70    1  20 

7  3°'  2  4 

8  5  249 
846    3  37 


9  3i 

10  21 

11  19 


1  30 

2  391 

3  5i 
5.  6 
rises  morn 


4  27 

6  13 

7  8 

8  4 

8  59 

9  54 
to  49 
[i  44 


6  39 

7  24! 
813! 


40 
1  37 


Moon's  Phases. 

BOSTON. 

Mew-York. 

Washington. 

Charleston. 

sun  at 
noon  mark. 

D. 

H.  M. 

H.  M. 

H.  M. 

H.  M. 

D. 

H.    M.  S. 

Last  Quarter, 

4 

8  43  Morning. 

8  31  Morning. 

8  19  Morning. 

8    7  Morning. 

1 

II    59  48 

New  Moon, 

12 

S  15  Morning. 

8    3  Morning. 

7  31  Morning. 

7  39  Morning. 

9 

11  57  9 

First  Quarter, 

20 

8  44  Morning. 

8  32  Morning. 

8  20  Morning. 

8    8  Morning. 

11  54  22 

Full  Moon, 

27 

0  26  Morning. 

0  14  Morning. 

0    2  Morning. 

11  50  Eve.  2cth. 

25 

11  5i  34 

28  THE      NEW-YORK  ALMANAC. 


What  commends  life  insurance  to  thoughtful 
men  is  that  it  is  an  additional  and  needed 
safeguard  to  that  for  which  they  are  gladh 
spending  the  best  of  their  lives.  Take  uu.n 
the  wives  and  children  of  such  men,  and  what 
is  there  to  live  for?  Blight  or  cloud  their  future, 
and  what  can  compensate  for  it  ?  Life  insurance 
makes  more  certain  the  benefits  which  such  men 
desire  their  loved  ones  to  enjoy,  and  they  pay 
for  this  security  cheerfully,  just  as  they  pay  for 
the  present  care,  sustenance,  education,  etc.,  of 
their  families.  They  do  not  wish  to  run  any  risk 
of  a  lack  of  these  things  in  time  to  come. 

TVTKVKK  insult  another  by  harsh  words  when 
1\|  applied  to  for  a  favor.  Kind  words  do  not 
cost  much,  and  yet  they  may  carry  untold  happi- 
ness to  one  to  whom  they  are  spoken. 


IT  is  a  sign  of  wisdom  to  be  willing  to  receive 
instruction  ;   the  most  intelligent  sometimes 

stand  in  need  of  it. 

i^KLF-EASK  is  pain  ;  thy  only  rest 
O    Is  labor  for  a  worthy  end, 

A  toil  that  gains  with  what  it  yields, 

And  scatters  to  its  own  increase, 
And  hears,  while  sowing  outward  fields, 
The  harvest  song  of  inward  peace. 

—  Whit  tier. 

A DROLL  fellow  fished  a  rich  old  gentleman 
out  of  a  mill-pond,  and  refused  the  offer 
of  twenty-five  cents  from  the  rescued  miser. 
"  Oh,  that's  too  much  !  "  exclaimed  he  ;  "  taint 
worth  it  !  "  and  he  handed  back  twenty-one 
cents,  saying  calmly,  as  he  pocketed  four  cents, 
•'  That's  about  right." 


Tenth  Mouth. 


OCTOBER,  1882. 


/  //  irty-one  Days . 


X 

h 

< 

Z 

UJ 

O 

>■ 

u. 

u. 

o 

0 

> 

> 

< 

< 

Q 

Q 

274 

2 

276 

3 

277 

4 

278 

5 

279 

6 

280 

7 

281 

8 

282 

9 

283 

10 

284 

11 

285 

12 

286 

13 

287 

14 

288 

15 

289 

16 

290 

17 

291 

18 

292 

r9 

293 

20 

294 

21 

295 

22 

296 

23 

297 

24 

298 

25 

299 

2? 

300 

27 

301 

28 

302 

29 

303 

30 

304 

31 

Life  Insurance 
Phenomena 
for  the  most  health- 
ful for  hons  of 
the  United  States, 
1  hi  Dominion  of  Canada, 
Great  Britain  and 
Ireland, 
France  and  Belgium. 


Calendar  for 
Boston,  New  Knglani 
n.  v.  State,  Michigan, 
Wisconsin,  Iowa 
and  Orecon. 


Sun  Sun  Moon  H.  \V 
Rises  Sets.  Rises  Boston 


Mon 

Tues  1 

Wed 

Thur 

Fri 

Sat 

Mon 
'lues 
Wed 
Thur 
Fri 

Sat  i 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 

Tues 

Wed 

Thur 

Fri 

Sat 

Mon 
Tues 


In  October  comes 
"Indian  summer," 
with  its  soft  haze 
and  rich  fruitage, 
when  the  ingather- 
ing- for  the  year  is 
completed  and  we 
get  ready  for 
Thanksgiving. 
When  the  garner 
and  the  heart  are 
full  is  the  time  to 
insure  your  life. 
The  most  precious 
of  all  your  blessings 
is  your  family. 
Make  sure,  WHILE 
YOU  CAN,  that 
they  shall  ever 
have  abundance  — 
that  they  may  ever 
have  cause  for 
thanksgiving. 
There  is  no  other 
way  by  which  you 
can  do  this  so  easily 
and  so  effectually 
as  by  life  insurance. 


H.  M.  H 

.5  57 1  5 

5  58  5 

'5  59 1  5 

6  0:5 

6  IS 

'  •'    2  5 

0  3I5 
6  4  j  5 
16  6:5 

7  5 

8  5 
95 

10  5 
"  5 

13  5 

14  5 

15  5 
6  16  5 

6  17  5 
6  18  5 
6  20  5 
6  21  5 
6  22  5 
6  23  5 

6  24,5 
6  26  5 
6  27  5 
6  28  4 
6  29  4 

6  31  4 
6  32  4 


H.  M. 

8  55 

9  5o 

10  48 

11  45 

mom 

43 

1  44 

2  39 

3  35 

4  33 

5  3i 
sets 

6  2 
638 

7  19 

8  9 

9  3 


14  10  5 
12  11  9 
11  morn 

9  17 
8    1  28 


2  40 

3  54 
5  8 
rises 

5  5i 

6  42 

7  37 

8  36 

9  36 


H.  It. 

2  42 

3  34 

4  50 

5  29 

6  26 

7  22 

8  15 

9  1 
9  44 

10  2 1 

11  4 
11  40 
morn 

17 
59 

1  40 

2  27 

3  *5 

4  8 

5  8 

6  10 
716 
8i7 

9  ID 

10  IO 

11  4 
II  52 

ev47 

1  3i 

2  24 


Calendar  FOB 
n.  v.  City,  Philadelph 
Connecticut,  New 
Jersey,  Pennsylvania 
(  m  i  io,  indiana  and 
Illinois. 


Sun 


Sun 


H.  M. 

5  5  43 
5  57  5  4i 

58 
59 
o 


5 
5 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 
6 

6  21 
6  22 
6  23 
6  24 
6  26 
6  27 


5  22 
5  20 


Moon  H.  W. 

Rises 

N.  Y. 

H  M. 

H.  M. 

9  0 

II  24 

9  55 

ev  20 

10  54 

1  17 

11  49 

2  15 

morn 

3  12 

46 

4  7 

146 

4  58 

2  40 

5  46 

3  36 

6  28 

4  32 

7  10 

5  29 

7  47 

sets 

8  22 

6  5 

9  3 

6  43 

9  45 

7  24  10  24 

8  14 

11  18 

9   8  morn 

morn 
20 

1  30 

2  41 

3  53 
5  6 
rises 


55 

1  54 

2  56 

4  I 

5  1 

6  2 

6  56 

7  47 


6  28  4  59 
6  29  4  58 


5  55  j  8  35 
647    9  27 

7  42  10  16 

8  41  11  4 

9  40 1 1 1  56 


Calendar  for 

Washington,  Mary- 

land,  Virginia, 

Kentucky,  Missouri 

AND  CALIEORNIA. 

Sun 

Sun 

Moon 

Moon 

Rises 

Sets. 

Rises 

South. 

H.  M. 

H.M. 

h.  m. 

H.  m. 

s 

55 

5  43!  9  5 

3  32 

5  5&  5  42 

10  0 

4  2 

5  57  5  40 

10  56 

5  22 

5  58 

5 

39 

11  53 

613 

5 

59 

5  37  morn 

7  1 

6 

0 

5 

35 

?  47 

6 

5  34 

.9 

831 

6 

2 

5  32 

2  41 

9  »3 

6 

3 

5 

3i 

3  36 

9  55 

6 

4 

5  29 

4  32 

10  36 

6 

5 

5 

28 

528 

11  19 

6 

6 

5 

26 

sets 

ev.  2 

6 

7 

5 

25 

\  9 

47 

6 

8 

5 

'-'3 

6  47 

1  35 

6 

9 

5 

22 

7  29 

2  24 

5 

10 

5 

21 

8  19 

316 

6 

11 

5 

19 

9  »3 

4  8 

6 

12 

5 

18 

10  14 

5  2 

6 

13 

5 

16 

11  16 

5  55 

6 

14 

5 

IS 

morn 

648 

6 

1 5 

5 

14 

22 

7  4i 

6  ib 

5 

J3 

1  3i 

8  34 

6 

[8 

5 

1 1 

241 

9  28 

6 

19 

5 

10 

3  52 

10  22 

6 

23 

5 

9 

5  4 

11  16 

6 

21 

S 

rises 

morn 

6 

22 

5 

6 

5  59 

16 

6 

23 

5 

5 

6  52 

1  15 

C 

24 

5 

4 

7  47 

2  13 

6  25 

5 

2 

8  45 

3  10 

6  26 

D 

9  44 

4  4 

Moon's  Phases. 

BOSTON. 

NEW-YORK. 

Washington. 

Charleston. 

sun  at  . 
noon  mark. 

D. 

H.  M. 

H.  M. 

H.  M. 

H.  M. 

d. 

H.    M.  S. 

Last  Quarter, 

3 

9  33  Evening. 

9  21  Evening. 

9    9  Evening. 

8  57  Evening. 

1 

11  49  35 

New  Moon, 

12 

1  17  Morning. 

1    5  Morning. 

0  53  Morning. 

0  41  Morning. 

9 

11  47  14 

First  Quarter, 

19 

7  11  Evening. 

6  59  Evening. 

6  47  Evening. 

6  35  Evening. 

11  45  22 

Full  Moon, 

26 

9  50  Morning. 

9  38  Morning. 

9  26  Morning. 

9  14  Morning. 

25 

11  44  9 

23 


A  Young  Apollo. 


24 


THE      NEW     YORK  ALMANAC 


SOME  set  out,  like  Crusaders  of  old,  with  a 
glorious  equipment  of  hope  and  enthusiasm, 
and  get  broken  by  the  way,  wanting  patience 
with  each  other  and  the  world.  —  George  Eliot. 

ONK  has  only  to  look  about  among  his 
acquaintances,  who  have  reached  the  agi- 
of  sixty  years,  to  see  instances  not  only  where 
endowments  would  be  very  acceptable,  but  also 
where  they  are  sorely  needed.  The  supposition, 
sometimes  made  as  to  the  possible  fate  of  young 
men,  is  here  seen  as  a  fact.  Here  are  men  who 
were  once  rich  and  have  come  to  poverty,  or  pretty 
near  it,  in  their  old  age.  They  did  fail  in  busi- 
ness, after  years  of  success.  There  were  reasons 
for  it — plenty  as  blackberries— all  their  friends 
have  heard  them  ;  but  what  do  they  avail  in  the 
face  of  the  fact  ?     These  men  might  have  placed 


themselves  and  their  families  beyond  the  reach 
of  commercial  disaster  by  the  investment  of  a 
moderate  sum  annually,  while  prosperous,  in 
endowment  insurance.  They  see  their  mistake 
now,  and  we  may  be  sure  the  knowledge  of  w  hat 
might  have  been  does  not  lighten  their  burdens. 

X  JKVKK  choose  a  friend  thai  you  feel  you  have 
i\  lowered  your  standard  of  purity  and  right 
one  single  inch  to  gain.  If  y  ou  cannot  step  up 
in  your  friendships,  you  need  not  step  down. 
Rai^e  your  standard  and  stand  by  it. 

CHICKEN  soup  tan  be  made,  it  is  said,  by 
hanging  up  a  hen  in  the  sun  so  that  her 
shadow  will  fall  into  the  pot  of  salt  and  water. 
The  only  trouble  is  that,  on  a  cloudy  day,  the 
soup  is  liable  to  be  weak. 


Eleventh  Month 


NOVEMBER,  L882. 


J'lurty  Days. 


2 

X 

< 

ONT 

BBK 

2 

L. 

o 

< 

1 

2  l 

3°5 

I 

Wed 

306 

2 

Thur 

307 

3 

Fri 

306' 

4 

Sat 

309 

5 

310 

6 

Mun 

3" 

Tues 

3" 

8 

Wed 

313 

9 

Thur 

3M 

10 

Fri 

3*5 

11 

Sat 

3i6 

12 

317 

13 

Mon 

318 

14 

Tues 

319 

15 

Wed 

320 

16 

Thur 

321 

17 

Fri 

322 

18 

Sat 

323 

J9 

Mon 

324 

20 

325 

21 

Tues 

326 

22 

Wed 

327 

23 

Thur 

328 

24 

Fri 

329 

25 

Sat 

33o 

26 

33i 

27 

Mon 

332 

28 

Tues 

333 

29 

Wed 

334 

30 

Thur 

lick  insurance 
Phenomena 
1-or  the  most  health- 
ful portions  of 
the  United  states, 
1  hi  Dominion  oh  Canada. 
Great  Britain  and 
IRELAND, 

Prance  and  Belgium. 


Calendar  for 


Calendar  eor 


Calendar  For 

Boston".  New  England  N'  >-v;^- J.  f T' ,,.>",1 ' . A '  i^J!r ,M  1  *  Washington,  mam 

N. Y. STATE. MICHIGAN,  t£SSHMSSS!Si  CF?, >  '-and.  Virginia. 

Wisconsin,  Iowa      J  , ,      ■  ' ,  ,  J     *.'A'  Kentucky,  MISSOURI 

and  Oregon.        I    ohio.  Indiana  and  and  California. 


"During-  the  long- 
years  of  trouble 
which,  followed 
November,  1873, 
the  New- York  Life 
Insurance  Com- 
pany served  as  a 
bulwark  for  re- 
straining popular 
distrust  of  life  in- 
surance from  going 
too  far.  Its  posi- 
tion served  to  point 
the  needed  moral 
that  life-insurance 
principles  are  no 
more  proved  un- 
sound by  the  fail- 
ures which  bad 
practice  had  pro- 
duced than  the 
rules  of  numbers 
are  affected  because 
calculations  which 
are  based  on  wrong 
additions  come  to 
naught."— -V.  Y.  Sun- 
day Mercury,  Feb.  13,  'Si. 


Sun 

Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

Moon 

Rises 

Sets. 

Rises 

Boston 

Rises 

Sets. 

Rises 

N.Y. 

Rises 

Sets 

Rise* 

South. 

\i. 

11 

M. 

H.  M. 

H.  M. 

M. 

MM. 

H.  M. 

H    M . 

H.  M. 

11. M. 

H.  M. 

H  M . 

6 

33 

4 

54 

IO  35 

4  1 

6 

30 

4  57 

10  38 

ev  48 

6  27 

10  41 

4  55 

0 

3* 

4 

53 

"  43 

4  53 

6 

31 

4  56 

11  45 

1  40 

6  28 

4  59 

II  48 

5  42 

6 

36 

4 

5i 

morn 

5  46 

6 

32 

4  54 

morn 

2  32 

6  29 

4  58 

mom 

6  27 

6 

37 

4 

SO 

3i 

6  38 

6 

34 

4  53 

3o 

3  24 

6  31 

4  5l 

34 

7  10 

6 

3S 

4 

49 

1  28 

7  29 

6 

35 

4  52 

1 28 

4M 

6  32 

4  56 

1  29 

7  52 

39 

4 

48 

2  24 

8  17 

6 

36 

4  5i 

2  24 

5  1 

6  33 

4  55 

2  24 

«34 

6 

41 

4 

47 

3  23 

9  4 

6 

37 

4  5o 

3  21 

5  49 

6  34 

4  54 

3  20 

9  16 

6 

42 

4 

45 

4  20 

9  48 

6 

,'3 

4  49 

418 

6  34 

6  35 

4  53 

4  16 

9  59 

6 

43 

4 

44 

5  20 

'031 

6 

40 

4  48 

5  17 

716 

6  36 

4  5' 

I  14 

10  44 

6 

44 

4 

43 

619 

11  14 

6 

41 

4  47 

616 

7  56 

6  37 

4  5i 

0  12 

11  31 

6 

46 

4 

42 

sets 

11  56 

6 

4^ 

4  46 

sets 

8  39 

6  38 

4  5o 

sets 

ev  20 

6 

47 

4 

4i 

6  5 

morn 

6 

43 

4  45 

6  10 

9  24 

|  6  39 

4  49 

6  15 

1  12 

6 

43 

4 

40 

7  0 

38 

6 

44 

4  44 

7  4 

10  11 

6  40 

4  48 

2  5 

6 

49 

4 

39 

7  58 

1  25 

6 

46 

4  43 

8  2 

1Q,53 

6  41 

4  47 

?? 

2  58 

6 

51 

4 

39 

9  2 

2  11 

6 

47 

4  42 

9  6 

11  44 

,643 

4  47 

9  10 

3  52 

6 

52 

4 

38 

10  8 

3  0 

6 

43 

4  4i 

10  11 

morn 

6  44 

4  46 

10  14 

4  44 

0 

53 

I 

37 

11  16 

3  5o 

6 

« 

4  4° 

11  18 

36 

6  45 

4  45 

11  20 

5  36 

6 

54 

4 

36 

morn 

4  45 

6 

50 

4  39 

morn 

1  32 

6  46 

4  44 

morn 

6  27 

0 

56 

4 

35 

13 

;  40 

6 

5' 

4  39 

14 

2  32 

6  47 

4  44 

14 

718 

6 

5  7 

4 

34 

1  36 

646 

6 

53 

4  38 

1  35 

3  32 

6  48 

4  43 

1  35 

8  10 

6 

5^ 

4 

34 

2  47 

7  5o  1 

6 

54 

4  38 

246 

4  35 

6  49 

4  43 

2  44 

9  4 

6 

59 

4 

33 

3  58 

851 

6 

55 

4  37 

3  56 

5  36 

6  50 

4  42 

3  53 

9  59 

7 

0 

4 

3= 

5  9 

9  48 

6 

56 

4  36 

5  6 

634 

6  51 

4  42 

5  3 

1057 

7 

2 

4 

32 

6  18 

10  44 

6 

5  7 

4  36 

613 

7  28 

6  52 

4  4i 

6  9 

"  55 

7 

4 

3i 

rises 

"  33 

6 

58 

4  35 

rises 

8  15 

6  53 

4  40 

rises 

morn 

7 

4 

4 

31 

619 

ev  2i 

6 

59 

4  35 

6  24 

9  8 

6  55 

4  40 

6  29 

53 

5 

4 

30 

7  19 

1  12 

7 

0 

4  35 

7  23 

9  52 

6  56 

4  40 

7  27 

1  50 

\ 

6 

4 

30 

8  19 

1  53 

7 

2 

4  34 

823 

10  40 

6  57 

4  40 

8  26 

2  43 

7 

7 

4 

30 

9  20 

2  43 

7 

4  34 

9  23 

11  25 

6  58 

4  39 

9  26 

3  33 

8 

4 

20 

10  19 

3  28 

7 

I 

4  34 

10  21 

ev  13 

6  59 

4  39 

10  23 

4  21 

Moon's  Phases. 


Last  Quarter, 
New  Moon, 
First  Quarter, 
Full  Moon. 


H.  M. 

2  14  Evening. 
6  35  Evening. 

3  58  Morning. 
9  19  Evening. 


New-York. 


2  2  Evening. 
6  23  Evening. 

3  46  Morning. 
9    7  Evening. 


Washington. 


h.  M. 

1  50  Evening. 
6  11  Evening. 
3  34  Morning. 
8  55  Evening. 


Charleston. 


h.  M. 

1  30  Evening. 
5  59  Evening. 
3  22  Morning. 
8  43  Evening. 


H.    M.  S. 

11  43  4i 

it   43  59 

7  I    "45  " 

'5  I    11  47  i5 


THE      NEW -YORK     ALMANAC.  25 


26  THE      NEW-YORK  ALMANAC. 


Rev.  George  H.  Hep  worth  says  of  his 
first  life  policy;  "The  document,  1  thought, 
somewhat  resembled  a  tombstone,  as  it  rested 
against  the  books  on  my  library-table,  and  being 
near-sighted,  its  inscription  seemed  to  be,  '  In 
memory  of  the  late  George  H.  Hepworth,'  while 
the  smaller  type  at  the  bottom  looked  like  a 
short  reference  to  the  virtues  of  the  deceased.' ' 
Let  us  carry  out  the  simile,  ami  ask  ourselves,  in 
all  seriousness,  whether,  seeing  we  must  die,  we 
ivould  prefer,  7ohen  we  are  finally  gathered  to  our 
fathers,  to  have  for  a  tombstone  A  CANCELED 
LIFE  POLICY,  OR  ONE  KEPI  IN  FORCE  UNTIL 
OUR  WORK  WAS  DONE,  AND  THEN  PAID  IN 
FULL  FOR    THE    BENEFIT    OF  OUK  FAMILIES! 

He  who  cannot  command  his  thoughts  must 
not  hope  to  command  his  actions. 


WE  cannot  skip  the  seasons  of  our  education. 
We  cannot  hasten  the  ripeness  and  the 
sweetness  of  a  single  day,  nor  dispense  with  one 
night's  nipping  frost,  nor  one  week  s  blighting 
east  \vind.—/\  W.  Robertson. 

The  expectation  of  future  happiness  is  the 
best  relief  for  anxious  thoughts,  the  most 
perfect  cure  of  melancholy,  the  guide  of  life 
and  the  comfort  of  death. 

Old  Tom  Purdie,  Sir  Walter  Scott's  favorite 
attendant,  once  said:  "Them  are  tine 
novels  of  yours,  Sir  Walter  ;  they  are  just  inval- 
uable to  me."  "  I  am  glad  to  hear  it,  Tom." 
"Yes,  sir;  for  when  I  have  been  out  all  day 
hard  at  work,  and  come  home  very  tired,  and 
take  up  one  of  your  novels,  I'm  asleep  directly. " 


Twelfth  Month 


DECEMBEE,  L882. 


r/tirty-one   I  hiys . 


X 

u 

< 

Z 

w 

M 

0 

1 

>« 

2 

v  lb 

u. 

to 

O 

0 

c 

> 

> 

> 

< 

< 

< 

Q 

c 

0 

335 

Fri 

336 

2 

Sat 

337 

3 

a 

33« 

4 

Mon 

339 

5 

Tues 

340 

6 

Wed 

34i 

7 

Thur 

342 

8 

Fri 

343 

9 

Sat  , 

344 

10 

.S 

315 

11 

Mon 

346 

12 

Tues 

347 

x3 

Wed 

348 

14 

Thur 

349 

15 

Fri 

35° 

16 

Sat 

35i 

!7 

«j 

352 

18 

Mon 

353 

19 

Tues 

354 

20 

Wed 

355 

21 

Thur 

356 

22 

Fri 

357 

23 

Sat 

358 

24 

Mon 

359 

25 

360 

26 

Tues 

361 

27 

Wed 

362 

28 

Thur 

363 

29 

Fri 

3^4 

30 

Sat 

365 

3i 

lifh  insurance 
Phenomena 

TOR  THE    MOST  HEALTH- 
FUL PORTIONS  OP 

the  United  States, 
THE  Dominion  OF  CANADA, 
GRBAT  Britain  and 
Ireland, 
f&amcb  and  Belgium. 


During:  the  year 
ending-  Dec.  31,  '80, 
the  New- York  Life 
Insurance  Compa- 
ny paid  542  death- 
claims  on  the  lives 
of  480  persons. 
The  whole  amount 
paid  was  $1,731,- 
721.37,  an  averagre 
of  over  $3600  to 
each  family.  The 
premiums  paid  on 
these  policies,  less 
the  dividends  re- 
turned by  the  Com- 
pany, amounted  to 
$692,383.89,  an 
averagre  of  less 
than  $1500  to 
each  family.  The 
g-ain  to  the  families 
of  the  deceased 
was,  therefore, 
$1,039,337.48,  an 
average  of  over 
$2100  each.  For 
each  $100  paid  to 
the  Company,  they 
received  $250.11. 


Calendar  for 

N 

Calendar  for 

Calendar  vom 

Boston,  n 

.W  liNGLAND 

y.Crrv,  Philadblph. 

Washington,  marv. 

N.Y. 

Slate.  Michigan. 

LONN 

•.<  1 

icu  1 , 

.\  EW 

LAND.  Vlkl'.INIA 

Wisconsin,  Iowa 

p  K-1  V,  PENNSYLVANIA. 

Kentucky.  Missouri 

and  Oregon. 

indiana  and 
llinois. 

and  California. 

Sun 

Sun 

Moon 

a.  w. 

Sun 

Sun 

Moon 

H.  W. 

Sun 

Sun 

Moon 

Moon 

Rises 

Sets. 

Rises 

Boston 

Rises 

Sets. 

Rises 

N.Y. 

Rises 

Sets. 

Rises 

South. 

H. 

m. 

H 

M. 

H.  M. 

H.  M . 

H.  M. 

H .  M . 

H  M. 

H.  M. 

H. 

M. 

H.M. 

H.  M. 

H.  M. 

7 

10 

4 

29 

11  17 

4  " 

7 

5 

4 

34 

II  18 

ev58 

7 

0 

4  39 

II  19 

5  5 

7 

4 

29 

morn 

4  59 

7 

6 

4 

33 

morn 

i46 

7 

4  39 

morn 

5  48 

7 

12 

4 

28 

15 

5  49 

7 

7|4 

33 

2  35 

7 

2 

4  38 

16 

6  30 

7 

13 

4 

28 

1  11 

6  39 

7 

3 

4 

33 

1  10 

3  25 

7 

2 

4  38 

1  10 

7  " 

28 

2  10 

7  32 

7 

9 

32 

2  8 

4  17 

7 

3 

4  38 

2  7 

7  54 

15 

i 

28 

3  8 

8  22 

7 

10 

3- 

3  5 

5  8 

7 

4 

4  38 

3  3 

8  38 

7 

16 

4 

28 

4  5 

9  12 

7 

11 

i 

32 

4  4 

5  58 

7 

5 

4  38 
4  38 

4  0 

9  24 

7 

17 

4 

2  3 

5  7 

10  0 

7 

12 

32 

5  3 

6  46 

7 

6 

4  59 

10  12 

7 

*7 

4 

2  3 

6  7 

10  51 

7 

13 

32 

6  2 

7  35 

7 

7 

4  38 

5  58 

11  4 

7 

18 

4 

28 

7  4 

"  35 

7 

14 

4 

32 

6  59 

817 

7 

8 

4  38 

6  54 

11  57 

7 

J9 

4 

28 

sets 

morn 

7 

l5 

4 

3- 

sets 

9  7 

7 

9 

4  38 

sets 

ev  52 

20 

4 

28 

654 

21 

7 

'5 

4 

32 

658 

9  55 

7 

9-4  39 

7  2 

1  47 

7 

21 

4 

28 

1  9 

7 

16 

4 

33 

8  2 

10  37 

7 

10  4  39 

8  5 

2  40 

7 

22 

28 

'1 

1  55 

7 

16 

4 

33 

9  10 

11  25 

7 

1 1 

4  39 

9  >3 

3  33 

7 

22 

1 

29 

10  18 

2  43 

7 

17 

4 

33 

10  20 

morn 

7 

12 

4  39 

10  21 

4  25 

7 

23 

4 

29 

11  27 

3  31 

7 

18 

4 

33 

11  27 

17 

7 

12 

4  40 

11  27 

5  15 

7 

24 

4 

29 

morn 

4  25 

7 

18 

4 

33 

morn 

1  10 

7 

13 

4  40 

morn 

6  6 

7 

24 

4 

29 

37 

5  19 

7 

«9 

4 

34 

36 

2  5 

7 

14 

4  40 

35 

658 

7 

25 

4 

30 

1  46 

6  23 

7 

20 

4 

34 

144 

3  9 

7 

14 

4  4i 

I  42 

7  5i 

7 

26 

30 

2  55 

7  26 

7 

20 

4 

35 

2  52 

4  11 

7 

x5 

4  Ii 

2  49 

8  45 

7 

26 

! 

31 

3  54 

8  30 

7 

21 

4 

35 

3  5o 

5  15 

7 

15 

4  42 

3  46 

9  4i 

7 

26 

31 

5  9 

9  3o 

7 

21 

4 

36 

5  4 

6  16 

7 

16 

4  42 

5  0 

10  39 

7 

27 

32 

6  12 

10  26 

7 

22 

4 

37 

6  7 

7  11 

7 

16 

4  43 

6  2 

11  35 

7 

27 

! 

32 

rises 

11  18 

7 

22 

4 

37 

rises 

8  0 

7 

17 

4  43 

rises 

morn 

I 

28 

33 

6  4 

ev.  3 

7 

23 

4 

38 

6  7 

8  48 

7 

17 

4  44 

6  11 

30 

28 

4 

33 

7  5 

47 

7 

23  4 

39 

7  8 

9  34 

7 

17 

4  44 

7  11 

1  22 

23 

34 

8  5 

1  3° 

7 

23 

4 

39 

8  8 

10  15 

7 

18 

4  45 

8  10 

2  12 

\ 

29 

\ 

9  4 

2  11 

7 

23 

4 

40 

9  S 

10  53 

7 

18 

4  46 

9  7 

258 

29 

4 

P 

10  7 

2  50 

7 

24 

4 

40 

10  8 

11  34 

7 

18 

4  47 

10  8 

3  42 

29 

4 

37 

10  59 

3  30 

7 

24 

4 

41 

10  59 

ev  16 

7 

*9 

4  47 

10  59 

4  24 

7 

3° 

4 

37 

11  57 

4  12 

7 

24  4 

42 

11  55 

1  0 

7 

19 

4  48 

"  54 

5  6 

Moon's  Phases. 

Boston. 

New- York. 

Washington. 

Charleston. 

SUN  at 
noon  mark. 

D. 

h. 

M. 

h. 

M. 

H.  M. 

H.  M. 

D. 

H.  M. 

s. 

Last  Quarter, 

2 

10 

12  Morning. 

10 

0  Morning. 

9  48  Morning. 

9  36  Morning. 

I 

II  49 

19 

New  Moon, 

IO 

10 

53  Morning. 

10 

41  Morning. 

10  29  Morning. 

10  17  Morning. 

9 

II  52 

40 

First  Quarter, 

17 

11 

55  Morning. 

43  Morning. 

11  31  Morning. 

11  19  Morning. 

17 

II  56 

29 

Full  Moon, 

24 

9 

19  Evening. 

7  Evening. 

8  55  Evening. 

8  43  Evening. 

25 

12  O 

27 

28 


THE      NEW-YORK  ALMANAC 


FIG-TIRES   riJOM   THE  CENSUS." 

npHE  following  table  shows  the  distribution  of  population  in  the  United  States,  etc.,  accord- 
X  ing  to  the  census  of  1880.  The  Indians  included  arc  only  those  who  live  among  the  whites, 
not  those  under  tribal  relations  or  on  reservations.  The  number  of  females  to  100,000  males  has 
decreased  to  present  figures  from  97,801  in  1870,  and  the  proportion  of  foreign  to  native  born  ! 
from  16,878  in  1870.  The  number  of  colored  persons  to  100,000  whites  has  increased  from  14,528 
in  1870  to  15,153  in  1880.  The  center  of  population  at  the  first  census,  1790,  was  twenty-three 
miles  east  of  Baltimore  ;  the  movement  of  this  point  has  been  nearly  due  westward  at  the  rate  of 
from  36  to  81  miles  in  ten  years.  The  order  of  advance  has  been  as  follows  :  41,  36,  50,  39,  55, 
55,  81,  42,  58,  and  its  present  position  is  in  Kentucky,  eight  miles  vrest  by  south  from  the  heart  of 
Cincinnati,  O.,  and  one  and  a  half  miles  south-east  of  the  village  of  Taylors ville.  The  increase 
in  population  since  1870  has  been  29J/3  per  cent. 


STATE. 

TOTAL. 

ran  f 

ASIATICS. 

■  1 

r  cmales 
to  100,000 
Males 

x*  or  n  uorn 
to  IOO  000 
^  atives. 

1,262,794 

662,328 

60O.24O 

4 

213 

102,731 

772 

4Q.441 

35,  i78 

138 

1,632 

3,493 

43,398 

65,613 

802,564 

591,61 1 

210,622 

I34 

IQ7 

92,747 

1.2QQ 

864,686 

767,266 

6,168 

75,122 

16,130 

66,841 

51,167 

194,649 

19I,452 

2,459 

6lO 

128 

50,342 

25,686 

622,683 

610,884 

11,428 

I30 

241 

IO3,507 

26,336 

Dakota  

135,180 

I33>177 

381 

238 

1 1384 

64,249 

62,  1 1  2 

Delaware   

146,654 

120,198 

26,450 

I 

5 

97,772 

6,905 

District  of  Columbia. 

177,638 

118,236 

59,378 

l8 

6 

1 12,501 

10,662 

Florida  

267,351 

141,832 

125,464 

18 

37 

97,464 

3,773 

1,530,048 

814,251 

724,685 

18 

Q4 

102,191 

675 

Idaho   

32,611 

29,01 1 

58 

3.378 

164 

49,468 

44,112 

3,078,769 

3,032,174 

46,248 

214 

133 

93,946 

23.389 

1,978,362 

i,939.°94 

38,998 

37 

233 

95,746 

7.836 

1,624,620 

1,614,666 

9,443 

47 

464 

91,530 

19,183 

995,966 

952,056 

43,096 

22 

792 

85,562 

12,378 

1,648,708 

1,377,187 

271,461 

10 

50 

98,001 

3,742 

940,103 

455,007 

483-794 

483 

819 

100,520 

6,111 

Maine  

648,945 

646,903 

1,418 

9 

6l5 

100,239 

9,977 

934,632 

724,718 

209,897 

6 

II 

102,300 

9,701 

1,783,012 

1,764,004 

18,411 

256 

341 

107,695 

33,069 

1,636,331 

1,614,078 

M-986 

29 

7.238 

89,769 

31,118 

780,806 

776,940 

1,558 

54 

2,254 

86,233 

52,172 

i,i3i,592 

479.371 

650,337 

52 

1,832 

99,527 

817 

2,168,804 

2,023,568 

145,046 

1* 

92,368 

10,791 

39»i57 

35,446 

288 

1,764 

1,659 

38,953 

41,658 

Nebraska  

452,433 

449,806 

2,376 

18 

233 

81,500 

27,430 

Nevada  

62,265 

53,574 

465 

5,423 

2,803 

48,204 

70,016 

New  Hampshire  .... 

346,984 

346,264 

646 

14 

60 

103,420 

15.292 

1,130,983 

1,091,947 

38,796 

182 

58 

102,025 

24  366 

New  Mexico  

118,430 

108,127 

648 

55 

9,600 

85,770 

9^54 

New- York  

5,083,810 

5,017,116 

64,969 

942 

783 

102,843 

31,284 

North  Carolina  

1,400,047 

867,478 

53*, 351 

1 

1,217 

103,438 

263 

Ohio  

3,198,239 

3,118,344 

79.665 

117 

"3 

98.X35 

14,080 

174,767 

163,087 

486 

9,5i5 

1,679 

69,040 

21,091 

Pennsylvania  

4,282,786 

4,197,106 

85342 

170 

168 

100,445 

15,900 

276,528 

269,931 

6,503 

27 

67 

107,864 

36.491 

South  Carolina  

995,622 

391,224 

604,275 

9 

114 

102,994 

773 

Tennessee  

1,542,463 

1,139,120 

402,991 

27 

325 

100,479 

1,087 

Texas  

i,592>574 

1,197.499 

394,001 

142 

932 

89,882 

7,748 

Utah  

143,906 

142,380 

204 

518 

804 

93,240 

43-943 

332,286 

331,243 

1,032 

II 

99,107 

14,054 

1,512,806 

880,981 

631,754 

"6 

65 

102,832 

979 

75,120 

67,349 

357 

3,227 

4,187 

63,386 

26,766 

West  Virginia  

618,443 

592,606 

25,806 

14 

17 

96,656 

3,o37 

1,315,480 

1,309,622 

2,724 

16 

3."8 

93.423 

44,548 

20,788 

19.436 

299 

914 

139 

46,901 

39,^5 

United  States  

50,152,866 

43,404,876 

6,577,151 

105,717 

65,122 

96,5i9 

15,359 

*  For  the  documents  containing  this  and  other  valuable  information  we  are  indebted  to  the  courtesy  of  Hon.  Francis  A.  Walker. 

Superintendent  of  the  Census. 


THE      NEW -YORK  ALMANAC. 


29 


CITIES  AXD   TOWXS   HAVING  A  POPULATION 
OF    12,000   AXD  "UPWARD. 


CITIES  AND  TOWNS. 


New- York,  N.  Y  . 

Philadelphia,  Pa  ... . 

Brooklyn,  NY  

Chicago,  111  

Boston,  Mass  

St.  Louis,  Mo  

Baltimore,  Md  

Cincinnati,"  O  

San  Francisco,  Cal  .  . 

New  Orleans,  La. . .  . 

Cleveland,  O  

Pittsburg,  Pa  

Buffalo,  N.  Y  

|    Washington,  D.  C  . 

j    Newark,  N.  J  

■    Louisville,  Ky  

Jersey  City,  N.  J  . 

!    Detroit,  Mich  

i    Milwaukee,  Wis 

Providence,  R.  I  

Albany,  N.  Y  

Rochester,  N.  Y  

Allegheny,  Pa  

Indianapolis,  Ind  

Richmond,  Va  

New  Haven,  Conn  .  . 

Lowell,  Mass  

Worcester,  Mass 

Troy,  N.  Y  

Kansas  City,  Mo 

Cambridge,  Mass 

Syracuse,  N.  Y  

Columbus,  O  

Paterson,  N.  J  

Toledo,  O  

Charleston,  S.  C  

Fall  River,  Mass  . 

Minneapolis,  Minn  . . 

Scranton,  Pa  

Nashville,  Tenn  

Reading,  Pa  

Hartford,  Conn  

Wilmington,  Del. . .  . 

Camden,  N.  J  

St  Paul,  Minn  

Lawrence,  Mass  

Dayton,  O  

Lynn,  Mass  

Denver,  Col  

Oakland,  Cal  

Atlanta,  Ga  

Utica,  N.  Y  

Portland,  Me  

Memphis,  Tenn  

Springfield,  Mass. . .  . 

Manchester,  N.  H. .  . 

St.  Joseph,  Mo  

Grand  Rapids,  Mich. 

Wheeling,  W.  Va  .  . . . 

Mobile,  Ala  

Hoboken,  N.  J  

Harrisburgh,  Pa  

Savannah,  Ga  

Omaha,  Neb  

Trenton,  N.  J  


,206,590 
846,984 
566,689 
5<>3>304 
362,535 
350,522 
332,190 
255,708 
233,956 
216,140 
160,142 
156,381 
»55,i37 
147,307 
136,400 
123.645 
120,728 
116,342 
"5,578 
104,850 
90,903 
89,363 
78,681 
75,o74 
63,803 
62,882 
59.485 
58,295 
56,747 
55,8i3 
52,740 
5i,79i 
51,665 

50,887  ; 

50,143 

49,999 

49,006 

46,887 

45,850 

43,46l 

43,280 

42,553 
42,499  ' 
41,658 
41,498 

39-I78 
38,677 
38,284 
35,630 
34,556 
34,398 
33.913 
33,8io 

33,593 
33,34o 
32,630 
32,484 
32,015 
31,266 
31.205 
30,999 
30,762 
30,681 
30,518 
29,910 


CITIES   AND  TOWNS. 


Covington,  Ky  

Peoria,  111  

Evansville,  Ind  

Bridgeport,  Conn  

Elizabeth,  N.  J  

Erie,  Pa  

Salem,  Mass  

Quincy,  111  

Fort  Wayne,  Ind  

New  Bedford,  Mass  .  .  . 

Terre  Haute,  Ind  

Lancaster,  Pa  

Somerville,  Mass  

Wilkesbarre,  Pa  

Augusta,  Ga  

Des  Moines,  Iowa  

Dubuque,  Iowa  

Galveston,  Texas 

Watervliet,  N.  Y  

Norfolk,  Va  

Auburn,  N.  Y  

Holyoke,  Mass  

Davenport,  Iowa  

Chelsea,  Mass  

Petersburgh,  Va  

Sacramento,  Cal  

Taunton,  Mass  

Norwich,  Conn  

Oswego,  N.  Y  

Salt  Lake  City,  Utah.  . 

Springfield,  O  

Bay  City,  Mich  

San  Antonio,  Tex  

Elmira,  N.  Y  

Newport,  Ky  

Waterbury,  Conn  

Poughkeepsie,  N.  Y.  .  . 

Springfield,  111  

Altoona,  Pa  

Burlington,  Iowa  

Cohoes,  N.  Y  

Gloucester,  Mass  

Lewiston,  Me  

Pawtucket,  R.  I  

East  Saginaw,  Mich.  . 

Williamsport,  Pa  

Yonkers,  N.  Y  

Houston,  Texas  

Haverhill,  Mass  

Lake  Township,  111 

Kingston,  N.  Y  

Menden,  Conn  

Hempstead,  N.  Y  

Zanesville,  O   

Allen  town,  Pa  

Council  Bluffs,  Iowa.  . . 

Newburgh,  N.  Y  

Portland,  Or  

Wilmington,  N.  C  

Binghamton,  N.  Y  .... 

Bloomington,  111  

New  Brunswick,  N.  J. 
Long  Island  City,  N.  Y 

Newton,  Mass  

Bangor,  Me  


29,720 
29,315 
29,280 
29,148 
28,229 
27,73o 
27,598 
27,275 
26,880 

^6,875 
26,040 
25,769 
24,985 

23,339 
23,023 
22,408 
22,254 
22,253 
22,220 
21,966 
21,924 
21,851 
21,834 
21,785 
21,656 
21,420 
21,213 
21,141 
21,117 
20,768 
20,729 
20,693 
20,561 
20,541 
20,433 
20,269 
20,207 
19,746 
19,716 
I9.450 
I9.4I7 
19.329 
19,083 
19,030 
19,016 
i8,934 
18,892 
18,646 
i8,475 
18,396 
18,342 
18,340 
18,160 
18,120 
18.063 
18,059 
18,050 
17,578 
17,361 
i7,3i5 
17,184 
17,167 
i7,n7 


CITIES  AND  TOWNS. 


Montgomery,  Ala. .  . 

Lexington,  Ky  

Johnstown,  N.  Y. . .  . 
Leavenworth,  Kan  .  . 

Akron,  O  

New  Albany,  Ind. .  . 

Joliet,  111  .  

Jackson,  Mich  

Woonsocket,  R.  I . . . 

Racine,  Wis  

Lynchburg,  Va  

Flushing,  N.  Y  

Sandusky,  O  

Oshkosh,  Wis  

Hyde  Park,  111  

Newport,  R.  I  

Topeka,  Kan  

Youngstown,  O  

Atchison,  Kan  

Chester,  Pa  

Lafayette,  Ind  

Leadville,  Col  

La  Crosse,  Wis  

New  Britain,  Conn.. 

Norwalk,  Conn  

York,  Pa  

Concord,  N.  H  

Lincoln,  R.  I   

Virginia  City,  Nev  .  . 

New  Lots,  N.  Y  

Schenectady,  N.  Y.. 

Alexandria,  Va  

Brockton,  Mass  

Newburyport,  Mass. 

Lockport,  N.  Y  

Nashua,  N.  H  

Pittsfield,  Mass  

South  Bend,  Ind  . 

Pottsville,  Pa  

Orange,  N.  J  

Little  Rock,  Ark  

Rockford,  111........ 

Fond-du-Lac,  Wis.  .  . 

Norristown,  Pa  

Lincoln,  Neb  

Chattanooga,  Tenn. . 

Macon,  Ga  

Richmond,  Ind  

Castleton,  N.  Y. . . 

Cortlandt,  N.  Y  

Biddeford,  Me  

Georgetown,  D.  C . . . 

San  Jose,  Cal  

Fitchburg,  Mass  .... 

Canton,  O  

Northampton,  Mass  . 

Warwick,  R.  I  

Rutland,  Vt  

Hamilton,  O  

Keokuk,  Iowa  

Steubenville,  O  

Rome,  N.  Y  

Maiden,  Mass  

Kalamazoo,  Mich  . .  . 
Easton,  Pa  


*  The  number  of  inhabitants  in  1870,  within  present  city  limits,  is  estimated  as  between  206,000  and  207,000. 


30 


THE      NEW-YORK  ALMANAC. 


STATES  AND  TKKKI- 
TORIES. 


Alabama  

Arizona   

Arkansas  

California  

Colorado  

Connecticut  

Dakota  

Delaware  

District  of  Columbia 

Florida  

Georgia  

Idaho   

Illinois  

Indiana  

Indian  Territory  .... 

Iowa  

Kansas  

Kentucky   

Louisiana.   

Maine  

Maryland   

Massachusetts  

Michigan  

Minnesota  

Mississippi   

Missouri  

Montana  

Nebraska  

Nevada  

New  Hampshire  .... 

New  Jersey  

New  Mexico  

New- York  

North  Carolina  

Ohio  

Oregon  

Pennsylvania  

Rhode  Island  

South  Carolina  

Tennessee  

Texas  

Utah  

Vermont  

Virginia  

Washington  Territory 

West  Virginia  

Wisconsin  

Wyoming  


INDIAN  COKN, 

bushels. 


25,446,413 

36,246 
23,666,057 
2,050,007 

455,988 
1,924,794 

2,078,089 

3.892,464 
29.750 
3,174,234 

23,i9°>472 
16,408 
327,796,895 
117,121,915 


\\  UK  A  I  . 

buihdfc 


1,529,683 
189,527 
1,252,181 
28,787,132 

'•475,559 
38,742 
3,018,354 
1.175,182 
6,402 
513 
3.158,335 
540.564 
51,136,455 
47,288,989 


OATS, 
bushel-. 


3,039,274 
624 
2,187,777 
1,355,871 
640, 100 
1,009,706 
2,331,230 
378,508 
7,440 
468,122 
5,544,i6l 
462,236 
63,206,250 
15,606,721 


HARI.KV, 

bushels. 


6,420 

239,051 
2,342 
12,578,486 
107,241 
12,286 
307,166 
537 


RYK.  COTTON,  TOBACCO, 

bushels.  bales.  pounds. 


210 
19,396 
274,75o 
1,229,693 
383,329 


28,495 

22,030 
184,068 
20,937 
370,732 
35,972 
5,953 
3,704 
3,070 
101,759 

3,121,682 
303,221 


54,997 

(14,441 


276,093,295 
106,791,482 
73,977,829 
9,878,024 
960,633 
16,202,521 
1,805,295 
36,844,229 
14,979,744 
21,340, 800 
203,464,620 
5,794 
65,785,572 
12,891 
1,358,625 
11,247,402 

65o,954 
26,520,182 
27,959,894 
112,681,046 

127,675 
47,970,987 

372,967 
11,764,349 
62,833,017 
28,846,073 
164,244 
2,022,015 
29,102,721 
39,906 

14,233,799 
35,991,464 

65 


31,177,225 
17,324,141 
",355,34o 
5,044 
665,714 
8,004,484 
15,818 
35,537,097 
34,625,657 
218,890 
24,971,727 
469,688 
13,846,742 
70,404 
169,316 
1,901,739 
708,778 
11,586,754 
3,385,670 
46,014,869 
7,486,492 
19,462,405 
290  j 
962,330 
7,331,480 
2,555,652 
1,167,268 

337,257 
7,822,354 
1,921,382 
4,002,017 
24,884,689 
4,762 


50,612, 141 
8,180,385 
4,582,968 
229,850 
2,265,575 
1,794,872 
645,169 
18,190,493 
23,372,752 
1,959,620 
20,673,458 
900,915 
6..555,565 
186,860 
1,018,006 
3,710,808 
157,437 
37,575,5o6 
3,830,622 
28,664,505 
4,393,593 
33,847,439 
159,339 
2,715,445 
4,722,938 
4,868,916 
417,938 
3,742,282 
5,333,o8i 
i,58i,95i 
1,908,505 
32,911,246 
22,512 


4.021,473 

300,313  j 
487,031 

50  I 
242,185 
6,312 
80,158 
1,204,523 
2,973,061 
3,127 
123,476 
39,97o 
i,744,7" 
513,530  i 
77,877 
4,216 
47,248 
7,788,749 
4,799 
1,707,164 
92o,977 
438,376 
17,783 
16,645 
30,150  I 
75,842  1 
216,535 
267,625 
14,560 
566,642 
10,131 
5,043,202 
131 


',518,307 
413,181 
676,345 
1,106 
26,568 
288,371 
214,034 
295,440 
215,716 
5,288 
535,458  I 
43°  1 
424,693 

158  ! 
34,638 
949,104 
290  > 
2,634,390 
284,993  ; 
389,221 
16,550 
3,683,621 
12,997 
26,987 
156,446 
25,758 
9,7i9 
7i,733 
324,557 
9,816 
113,181 
2,298,544 
78 


1,367 
508,569 


955,8o8 
19,733 


452,556 
600 
970,220 
73,3i7 

14,044,652 
2,107 

',353 
1,400 
22,197 
231,198 
400 
3,936,700 
8,872,842 


420,722 
191,749 
171,121,134 
56,564 
35o 

26,082,147 
5,369,436 

84,333 
70,389 
415,248 
11,994,077 


389,598 


522,548 
330,644 
803,642 


58,589 
1,500 
170,843 
171,405 
1,249 
6,553,35i 
26,986,448 
34,725,405 
17,^60 
36,957,772 
925 
46,144 
29,365,052 
222,398 


131,422 
80,099,838 
7,072 
2,296, 146 
10,878,463 


Totals,  1879. 


,772,909,846 
.717,434,543 


459,591,093 
498,549,868 


407,970,712 
417,885,380 


44,149,479 
45,165,346 


19,863,632 
24,540,829 


5,737,257  473,107,573 
6,343,271  446,296,889 


a<;ri<  ri/n  hal  statistics. 

BELOW  will  he  found  the  number  of  hushels  of  five  of  (lit  staple  grains  of  the  United 
States,  produced  in  1879,  according  to  the  census  report,  also  the  number  of  hides  of  cotton 
and  pounds  of  tohacco.  In  addition  to  the  cereals  mentioned,  there  were  grown  11,851,738 
hushels  of  buckwheat,  of  which  over  eight  million  hushels  were  produced  in  New- York  and 
Pennsylvania.  There  were  also  produced  181,626,400  hushels  of  potatoes,  2,725,197  tons  of 
cotton-seed,  and  1,362,599  tons  of  lint.  The  increase  in  cereal  products  during  the  census  decade- 
was  nearly  one  hundred  per  cent.,  but  it  is  partly  ascribed  to  the  partial  failure  of  the  corn  crop 
of  1869  and  the  heavy  yield  of  1879.  The  cereal  increase  from  i860  to  187(3,  as  reported  by  the 
census,  was  but  twelve  per  cent.,  while  the  increase  between  1850  and  i860  was  forty-three  per 
cent.  The  sugar  crop  of  Louisiana  in  1879  was  169,972  hogsheads  of  1137  pounds  each.  The 
totals  for  1880  are  the  estimates  of  the  I  )epartment  of  Agriculture.  The  estimates  for  1881  are  I 
not  complete  at  this  writing,  hut  show  the  corn  crop  to  be  about  1,150,000,000  bushels,  wheat 
about  400,000,000  bushels,  cotton  about  6,000,000  bales. 


THE     NEW-YORK  ALMANAC 


31 


MUNICIPAL,  STATE,  AXD  NATIONAL 
INDEBTEDNESS. 

THE  following  table  shows  the  net  indebtedness,  by  States,  of  cities  and  towns  therein  con- 
taining over  7500  inhabitants,  according  to  the  census  of  1880  ;  also  the  debts  of  States  as 
per  statements  of  1879  or  1880.  Of  the  municipal  bonded  debt,  $304,206,158  bears  interest  at 
six  per  cent.  ;  on  the  balance,  the  rates  range  from  three  to  ten  per  cent.  The  annual  interest 
charge  is  $49,954,433.78,  on  a  bonded  debt  of  $682,096,460 — an  average  of  a  trifle  over  six  per 
cent.  The  floating  debt  and  sinking  funds  account  for  the  discrepancy  between  the  latter  amount 
and  the  net  debt  given  in  the  table.  This  debt  matures  at  an  average  rate  of  about  $23,000,000 
per  annum  until  the  year  1900.  All  but  about  fifty  millions  of  the  present  bonded  debt  has  been 
contracted  since  i860.  The  largest  item  is  $141,797,828  for  water-works.  Street  and  sewer  im- 
provements have  left  a  debt  of  $102,838,251;  railroad  and  other  aid,  $68,309,493;  parks, 
$40,490,636;  war  expenses,  $28,722,787.  The  national  debt,  October  1,  1881,  was  $1,798,857,085, 
and  the  annual  interest  charges,  $62,047,758 ;  so  if  we  consider  the  indebtedness  of  towns  with 
less  than  7500  inhabitants,  together  with  that  of  counties  and  school  districts,  to  be  equal  to  the 
indebtedness  discharged  from  the  time  these  estimates  were  made  to  the  present,  we  have,  as  the 
total  public  indebtedness  of  the  people  of  the  United  States,  $2,644,857,085,  with  an  annual 
interest  charge  of  $112,002,191.78. 


Alabama   

Arkansas  

California   

Colorado  

Connecticut  

Delaware  

District  of  Columbia. 

Florida  

Georgia  

Illinois  

Indiana  

Iowa  

Kansas  

Kentucky  

Louisiana  

Maine  

Maryland  

Massachusetts  

Michigan  

Minnesota  

Mississippi  

Missouri   

Nebraska  

Nevada   

New  Hampshire  .  . . 

New  Jersey  

New- York  

North  Carolina  

Ohio  

Oregon   

Pennsylvania  

Rhode  Island  

South  Carolina  ... 

Tennessee  

Texas  

Utah  

Vermont  

Virginia  

West  Virginia  

Wisconsin  

Totals   


NO.  OF 
CITIES  AND 
TOWNS. 


NET  DEBT. 


$3,500,750 

335.243 
5,285,203 
132,000 
12,015,431 

1,372,450 
22,675,459 
280,916 
8,848,319 
18,480,839 
7,175,758 
2,840,  727 
1,833,624 

7,096,553 
18,193,653 
",467,393 
1,809,030 
61,355,650 
5.007,817 
2,929,582 
373,218 
27,095,558 
427.193 
II2,000 
2,994,898 
36,913,809 

177,239,951 
678,202 
36,511,474 
76,500 
77,688,635 
10,761,964 
4,983,952 
6,489,107 
3,220,205 
67,000 
585,887 
10,380,431 
531,882 
3,576,155 


$593,344,41 


NET  DEBT 
PER 
CAPITA. 


$65  59 
25-52 
16.31 

2.62 
40.69 
32.31 
141.84 
16.02 
78-39 
23-99 
28.50 
18.62 
32  -97 
35-73 
81.22 
98.78 

5-15 
54.67 
17.92 
27. 21 
31-59 
58.97 

9.82 

8.17 
36.86 
73-34 
68.67 
25.48 
47.96 

4-35 
51 .60 
59.28 
83.04 
65-13 
34-99 

3-23 
24.92 
66.67 
17.01 
15.69 


DUE 
SUBSEQUENT 
TO  1900. 


NET 
STATE  DEBTS. 


$2,540,900 

817,000 

2,897,000 
109,500 
14,587,900 


5,903,500 

980,000 
562,235 
296,770 
3,792,000 
443,050 
3,068,300 
6,332,800 
13,953,074 
700,000 
514,500 

2,190,000 
25,000 

175,000 
8,222,800 
77,413,272 

103,300 
l8,I22,0OO 

20,881,740 
1,500,000 
3,235,900 
2,506,200 
1,999,500 


5,414,758 
III.OOO 
I,  600,  OOO 


11,532,252 
5,046,405 
606, 500 
162,887 
4,967,600 
953,000 

1,295,605 
9,951,500 

4,998,178 

545,435 
1,181,975 
1,858,008 

16,332,493 
8,370,557 
7,041,398 

20,785,216 

905,149 
2,687,002 

386,253 
16,758,000 

449,267 

645,642 
3,661,200 
1,896,300 

7,o59,574 
27,120,228 

6,480,970 
511,376 
13,794,328 

2,534,5oo 

6,639,171 
26,842,850 

5,086,783 


31,227,083 
2,252,057 


$5i-i7 


$201,058,999 


$252,656,742 


32 


THE      NEW-YORK  ALMANAC 


BARN      i  \  B88. 

Not  from  a  vain  or  shallow  thought 
His  awful  Jove  young  Phidias  brought; 
Never  from  lips  of  cunning  fell 
The  thrilling  Delphic  oracle  ; 
Out  from  the  heart  of  nature  rolled 
The  burdens  of  the  Bible  old  ; 
The  litanies  of  nations  came, 
Like  the  volcano's  tongue  of  flame, 
Up  from  the  burning  core  below, — 
The  canticles  of  love  and  woe. 
The  hand  that  rounded  Peter's  dome, 
And  groined  the  aisles  of  Christian  Rome-, 
Wrought  in  a  sad  sincerity  ; 
Himself  from  God  he  could  not  free  ; 
He  builded  better  than  he  knew ; — 
The  conscious  stone  to  beauty  grew  . 

— R.  \  \ '.  Emerson. 

EDUCATION  AM)  SUCCESS. 

By  James  a.  Gar  field.* 

I HAVE  a  deep  and  peculiar  sympathy  with 
young  people  who  are  engaged  in  any 
department  of  education.  Their  pursuits  are 
to  me  not  only  matters  of  deep  interest,  but  of 
profound  mystery.  It  will  not,  perhaps,  flatter 
you  older  people  when  I  say  that  I  have 
far  less  interest  in  you  than  in  these  young 
people.  With  us,  the  great  questions  of  life 
are  measurably  settled.  Our  days  go  on,  their 
shadows  lengthening  as  we  approach  nearer 
to  that  evening  which  will  soon  deepen  into 
the  night  of  life  ;  but  before  these  young  peo- 
ple are  the  dawn,  the  sunrise,  the  coming 
noon — all  the  wonders  and  mysteries  of  life. 
For  ourselves,  much  of  all  that  belongs  to  the 
possibilities  of  life  is  ended,  and  the  very 
angels  look  down  upon  us  with  less  curiosity 
than  upon  these  whose  lives  are  just  opening. 
I  feel  a  profounder  reverence  for  a  boy  than  for 
a  man.  I  never  meet  a  ragged  boy  of  the 
street  without  feeling  that  I  may  owe  him  a 
salute,  for  I  know  not  what  possibilities  may 
be  buttoned  up  under  his  shabby  coat.  When 
I  meet  you  in  the  full  flush  of  mature  life, 
I  see  nearly  all  there  is  of  you  ;  but  among 
these  boys  are  the  great  men  of  the  future  — 
the  heroes  of  the  next  generation,  the  philoso- 
phers, the  statesmen,  the  philanthropists,  the 
great  reformers  and  molders  of  the  next  age. 

Let  me  beg  you,  in  the  outset  of  your  career, 
to  dismiss  from  your  minds  all  idea  of  succeed- 
ing by  luck.  There  is  no  more  common 
thought  among  young  people  than  that  foolish 
one  that  by  and  by  something  will  turn  up 
by  which  they  will  suddenly  achieve  fame  or 

*  From  an  address  before  the  students  of  the  Spencer- 
ian  Business  College,  Washington,  D.  C,  June  29,  1869. 


fortune.  No,  young  gentlemen  ;  things  don't 
turn  up  in  this  world  unless  somebody  turns 
them  up.  Inertia  is  one  of  the  indispensable 
laws  of  matter,  and  things  lie  flat  where  they  are 
until  by  some  intelligent  spirit  (for  nothing  but 
spirit  makes  motion  in  this  world)  they  are 
endowed  with  activity  and  life.  Do  not  dream 
that  some  good  luck  is  going  to  happen  to 
you  and  give  you  fortune.  Luck  is  an  ignis 
fatiais —  you  may  follow  it  to  ruin,  but  not  to 
success.  The  great  Napoleon,  who  believed 
in  his  destiny,  followed  it  until  he  saw  his  star 
go  down  in  blackest  night,  when  the  Old 
Guard  perished  around  him,  and  Waterloo  was 
lost.  A  pound  of  pluck  is  worth  a  ton  of  luck. 
Young  men  talk  of  trusting  to  the  spur  of  the 
occasion.  That  trust  is  vain.  Occasions  can- 
not make  spurs,  young  gentlemen.  If  you 
expect  to  wear  spurs,  you  must  win  them.  If 
you  wish  to  use  them,  you  must  buckle  them 
to  your  own  heels  before  you  go  into  the  fight. 
I  Any  success  you  may  achieve  is  not  worth  the 
having  unless  you  fight  for  it.  Whatever  you 
win  in  life  you  must  conquer  by  your  own 
efforts,  and  then  it  is  yours — a  part  of 
yourself. 

Again  :  in  order  to  have  any  success  in  life, 
or  any  worthy  success,  you  must  resolve  to 
carry  into  your  work  a  fullness  of  knowledge 
—  not  merely  a  sufficiency,  but  more  than  a 
',  sufficiency.     In  this  respect,  follow  the  rule  of 
the  machinists.     If  they  want  a  machine  to  do 
the  work  of  six  horses,  they  give  it  nine-horse 
power,  so  that  they  may  have  a  reserve  of 
;  three.    To  carry  on  the  business  of  life  you 
I  must  have  surplus  power.     Be  fit  for  more 
1  than   the   thing   you  are  now   doing.  Let 
I  every  one  know  that  you  have  a  reserve  in 
I  yourself:  that  you  have  more  power  than  you 
are  now  using.    If  you  are  not  too  large  for 
I  the  place  you  occupy,  you  are  too  small  for  it. 
Let  me  suggest  that,  in  giving  you  being, 
God  locked  up  in  your  nature  certain  forces 
and  capabilities.  What  will  you  do  with  them? 
Look  at  the  mechanism  of  a  clock.    Take  off 
the  pendulum,  and  the  ratchet  and  the  wheels  go 
rattling  down,  and  all  its  force  is  expended  in  a 
moment ;  but  properly  balanced  and  regulated 
it  will  go  on,  letting  out  its  force  tick  by  tick, 
measuring  hours  and  days,  and  doing  faithfully 
the  service  for  which  it  was  designed.   I  im- 
plore you  to  cherish  and  guard  and  use  well  the 
forces  that  God  has  given  to  you.  You  may  let 
them  run  down  in  a  year,  if  you  will.  Take  off 
the  strong  curb  of  discipline  and  morality,  and 
you  will  be  an  old  man  before  your  twenties 
are  passed.    Preserve  these  forces.    Do  not 
!  burn  them  out  with  brandy  or  waste  them  in 
idleness  and  crime.  Do  not  destroy  them.  Do 
not  use  them  unworthily.    Save  and  protect 
them,  that  they  may  save  for  you  fortune  and 
fame.  Honestly  resolve  to  do  this,  and  you  will 
be  an  honor  to  yourself  and  to  your  country. 


THE      NEW -  YORK      ALMANAC.  33 


VOI/TAIKB. 

If  thou  wouldst  view  one  more  than  man  and 
less, 

Made  up  of  mean  and  great,  of  foul  and  fair, 
Stop  here  ;  and  weep  and  laugh,  and  curse  and 
bless, 

And  spurn    and    worship ;    for  thou  seest 
Voltaire. 

That  flashing  eye  blasted  the  conqueror's  spear, 
The  monarch's  sceptre,  and  the  Jesuit's  beads  ; 

And  every  wrinkle  in  that  haggard  sneer 
Hath  been  the  grave  of  dynasties  and  creeds. 

In  very  wantonness  of  childish  mirth 

He  puffed  Bastiles,  and  thrones,  and  shrines 
away, 

Insulted  Heaven,  and  liberated  earth  ; 

Was  it  for  good  or  evil?    Who  shall  say? 

— Macaulay. 

ARAB  HUMOR. 

A READY  answer  was  always  sure  to  be 
appreciated  at  the  court  of  an  Arab  mon- 
arch. Abu  Dulameh,  a  black  Abyssinian  slave, 
who  lived  during  the  reigns  of  the  first  Abbas- 
side  caliphs,  was  famous  for  his  ready  wit.  On 
one  occasion  he  was  standing  in  presence  of 
Es  Saffah,  "  the  blood-shedder,"  the  first  of 
that  dynasty,  when  the  latter  said  to  him: 
"  Ask  of  me  whatever  you  desire." 
"  I  want  a  sporting  dog,"  said  he. 
"  Let  him  have  it,"  said  Es  Saffah. 
"  And  a  horse  to  mount  when  I  hunt,"  he 
added. 

'•  Let  him  have  a  horse,"  said  Es  Saffah. 

"  But  I  must  have  a  slave  to  lead  the  horse 
and  carry  the  game,"  the  other  went  on. 

"  Let  him  have  a  slave,"  said  the  caliph. 

"  And  a  slave-girl  to  dress  and  cook  the 
game  for  us."  said  Abu  Dulameh. 

"  Let  him  have  a  slave-girl,"  said  the  caliph. 

"  Why,  Commander  of  the  Faithful,"  cried 
Abu  Dulameh,  "  that  makes  quite  a  family  ; 
what  shall  I  do  without  a  house  for  them  ?  " 

"Let  him  have  a  house  to  hold  them  all," 
said  the  caliph. 

"  Ah  !  "  continued  the  other,  "  but  how  to 
support  them  ?  " 

"  I  will  give  you  ten  uncultivated  farms  in 
the  plains  where  the  children  of  Israel  dwell," 
answered  Es  Saffah. 

"  And  I  will  give  thee,  O  Commander  of  the 
Faithful,  a  hundred  uncultivated  farms  among 
the  Beni  Saad  !  "  retorted  Abu  Dulahmeh. 

It  is  perhaps  needless  to  remark  that  both 
the  Jews  of  Arabia  and  the  desert  tribe  men- 
tioned by  the  jester  were  turbulent  subjects, 


and  that  the  caliph's  writs  only  ran  there  nom- 
inally ;  the  property  would,  therefore,  have 
been  hard  to  realize. 

"  Very  well,  then,"  said  the  caliph;  "you 
shall  have  cultivated  farms." 

So  Abu  Dulameh  got  by  his  cunning  all  he 
wanted,  and  much  more  than  the  caliph  intend- 
ed to  give. 

Father  Noah  is  with  us  Occidentals  credited 
with  the  invention  of  the  too  seductive  fluid  ; 
but  the  Orientals  know  better.  Father  Adam 
was  too  clever  (they  say)  to  have  missed  such 
a  discovery,  and  it  was  he  who  planted  the 
vine.  The  result  would,  no  doubt,  have  been 
perfectly  harmless,  had  not  Ibliss,  always 
ready  to  make  mischief,  stepped  in  and  spoiled 
the  fun.  That  unprincipled  demon  came  fur- 
tively after  our  first  father,  and  sacrificed  a 
peacock  on  the  spot  where  the  plant  was  set. 
As  soon  as -it  began  to  sprout  forth,  he  sacri- 
ficed an  ape  over  it ;  when  the  grapes  began 
to  appear  he  slaughtered  a  lion  ;  and  when 
these  were  ripe,  he  offered  up  a  pig.  Hence  it 
is  that  he  who  drinks  wine  feels  at  first  as 
proud  as  a  peacock,  and  becomes  subsequently 
as  tricksome  as  an  ape,  as  bold  as  a  lion,  and  at 
length  as  stupid  as  a  pig. 

A  certain  king  visited  a  mad-house,  and 
found  there  an  intelligent-looking  youth,  who 
replied  sensibly  to  several  questions,  and 
finally  requested  an  answer  from  his  sovereign 
to  the  following:  "  At  what  period  does  a 
sleeper  enjoy  his  sleep  most  ?  " 

The  king  reflected  awhile,  and  said,  "  While 
he  is  actually  sleeping." 

"  That  cannot  be,"  said  the  madman,  "  for 
he  has  no  perception  while  asleep." 

"  Then  before  he  goes  to  sleep,"  said  the 
king. 

"  How  can  one  enjoy  anything,"  said  the 
madman,  "  before  it  comes  ?  " 

"  Then,"  said  the  king,  "  after  he  has  been 
asleep." 

"  Nay,"  said  the  madman,  "  a  man  cannot 
be  said  to  enjoy  a  thing  that  has  passed  away." 
—  Temple  Bar. 

If  any  one  has  swallowed  poison  of  any  kind, 
an  instantaneous  remedy,  useful  in  a  large  num- 
ber of  cases,  is  a  heaping  tea-spoonful  of  com- 
mon salt,  and  the  same  quantity  of  ground 
mustard,  stirred  quickly  in  a  tea-cup  of  water, 
warm  or  cold,  and  swallowed  instantly.  It  is 
scarcely  down  before  it  begins  to  come  up, 
bringing  with  it  the  remaining  contents  of  the 
stomach".  And  lest  any  poison  should  remain, 
let  the  white  of  an  egg  or  a  tea-spoonful  of 
strong  coffee  be  administered  as  soon  as  the 
stomach  is  quiet,  as  these  articles  neutralize  a 
large  number  of  virulent  poisons. 


3 


THE  NEW-YO 


RK  ALMANAC 


MY    PRBTT1   GEELL -WITTS. 

My  girl-wife  was  as  brave  as  she  was  good, 
And  helped  me  every  blessed  way  she  could  ; 
She  seemed  to  take  to  every  rough  old  tree, 
As  sing'lar  as  when  first  she  took  to  me. 
She  kep'  our  little  log-home  neat  as  wax; 
And  once  I  caught  her  fooling  with  my  ax  ; 
She  learned  a  hundred  masculine  things  to  do; 
She  aimed  a  shot-gun  pretty  middlin'  true, 
Although,  in  spite  of  my  express  desire, 
She  always  shut  her  eyes  before  she'd  fire. 
She  hadn't  the  muscle  (though  she//a.'/the  heart) 
In  outdoor  work  to  take  an  active  part ; 
Though  in  our  firm  of  Duty  &  Endeavor, 
She  wasn't  no  silent  partner  whatsoever. 
When  I  was  logging,  burning,  choppin'  wood, 
She'd  linger  'round,  and  help  me  all  she  could, 
And  kept  me  fresh-ambitious  all  the  while, 
And  lifted  tons,  just  with  her  voice  and  smile. 
With  no  desire  my  glory  for  to  rob, 
She  used  to  stan"  around  and  boss  the  job ; 
And  when  first-class  success  my  hands  befell, 
Would  proudly  say,  "  We  did  that  pretty  well !  " 
She  was  delicious,  both  to  hear  and  see — 
That  pretty  wife-girl  that  kep'  house  for  me. 

—  Will  Carleton  :  "  Farm  Festivals." 


RESPECT  IN  THE  FAMILY. 

AS  boys  and  girls  grow  up  to  manhood  and 
womanhood,  parents  should  respect  that 
nascent  dignity  which  comes  with  the  age  —  they 
should  respect  individuality.  It  is  one  reason, 
perhaps,  why  sisters  cannot  always  live  together 
happily  that  neither  has  been  taught  to  respect 
the  other's  strong  peculiarity  of  character,  at 
least  in  outward  manner.  If  we  treated  our 
brothers  and  sisters  with  the  same  respect 
that  we  treat  our  formal  acquaintances  in  mat- 
ters of  friendship,  opinion,  and  taste,  there 
would  be  greater    harmony  in  households. 

One  of  the  first  and  most  apparent  duties  is 
to  respect  a  seal.  Never  open  your  children's 
letters  after  they  are  old  enough  to  read  them. 
It  is  a  curious  element  of  self-respect  that  this 
"  community  of  letters  "  which  exists  in  some 
families  hurts  the  feelings  of  a  young  person 
from  the  first.  Certain  cross-grained  parents 
or  relatives  tear  open  Sam's  letters  from  Dick 
and  laugh  at  them.  Certain  other  parents  con- 
sider it  a  duty  to  open  their  daughter's  love- 
letters.  Perhaps  in  the  attempt  to  keep  a 
daughter  from  marrying  improperly  any  kind 
of  warfare  is  allowable.  Extraordinary  cir- 
|  cumstances  make  extraordinary  precautions 
proper ;  but  it  should  be  the  last  resort. 

No  girl  is  made  better  by  espionage.    If  she 
is  a  natural-born  intriguer,  no  surveillance 


will  defeat  her.  If  she  is,  as  are  most  girls, 
trembling  in  the  balance  between  deceit  and 
honesty,  a  fair,  open  dealing,  a  belief  in  /ier, 
will  bring  her  all  right.  Do  not  set  servants  to 
watch  her.  Do  not  open  her  letters.  Do  not 
spy  on  her  acts  or  abuse  her  friends.  She  will  ! 
be  far  more  apt  to  come  right  if  she  is  treated 
as  if  she  were  certain  to  be  true,  frank,  and 
honorable  in  all  her  acts. 

As  for  young  boys  and  men,  belief  in  their 
word,  confidence  in  their  honesty,  is  the  way 
to  make  them  honorable  gentlemen.  Ue  care- 
ful, as  we  have  said  before,  not  to  laugh  at 
them;  respect 'their  correspondence.  If  the 
rough-and-tumble  of  a  public-school  is  to  be 
their  portion,  there  is  no  fear  that  the  amen- 
ities of  home  will  make  them  effete.  They  will 
need  all  their  polish  as  they  go  knocking 
through  the  world. — From  "Amenities  of 
Home"   

Governor  Porter,  of  Indiana,  in  a  speech 
before  the  Indiana  school-teachers,  said  :  "  The 
best  preparation  of  the  boy  for  a  virtuous  life 
is  to  interest  him  in  good  reading.  I  remem- 
ber that,  a  few  years  ago,  when  one  of  my  boys 
was  a  little  fellow,  I  noticed  that  he  was  read- 
ing what  I  thought  was  an  objectionable  novel. 
I  said,  '  I  don't  like  this  business  of  novel  read- 
ing,' and  thought  he  ought  not  to  read  the 
book  any  more.  But  before  I  insisted  on  his 
giving  it  up,  he  said,  *  I  wish  you  would  read 
one  of  these  books  I  have  been  reading.'  I 
took  up  the  book,  and  found  it  to  be  a  boy's  book 
about  '  The  Coral  Islands.'  It  chanced  to  be 
Sunday  morning,  and  I  did  not  go  to  hear  any 
preacher  that  morning,  or  afternoon  either, 
and  was  not  content  until  I  had  read  the  book 
through.  (Laughter.)  Why,  such  books  put 
into  a  boy's  hands  are  perfectly  irresistible. 
You  can  catch  the  drift  of  a  boy's  mind  and 
character  by  tumbling  out  before  him  promis- 
cuously a  lot  of  books  better  than,  perhaps,  in 
any  other  way ;  and  it  is  while  a  boy  is  read- 
ing books  in  which  he  is  interested  that  he 
is  shaping  what  his  life  will  be.  I  know  a  boy 
very  well,  who  is  not  far  removed  from  my 
own  family,  who  has  developed  a  remarkable 
fondness  for  the  sciences,  and  all  from  reading 
a  popular  series  of  books  treating  on  water, 
heat,  electricity,  and  other  matters  of  that  kind, 
each  of  which  is  worked  up  into  a  story." 

My  fairest  child,  I  have  no  song  to  give  you ; 

No  lark  could  pipe  to  skies  so  dull  and  gray ; 
Yet  ere  we  part  one  lesson  I  can  leave  you 
For  every  day. 

Be  good,  sweet  maid,  and  let  who  will  be  clever  ; 

Do  noble  things,  not  dream  them,  all  day  long  ; 
And  so  make  life,  death,  and  that  vast  forever 
One  grand,  sweet  song. 

—  Charles  Kings  ley. 


THE      NEW-YORK     ALMANAC.  35 


THE  RAIXY  DAY. 

The  day  is  cold  and  dark  and  dreary  ; 
It  rains,  and  the  wind  is  never  weary ; 
The  vine  still  clings  to  the  mouldering  wall, 
But  :it  every  gust  the  dead  leaves  fall, 
And  the  day  is  dark  and  dreary. 

My  life  is  cold  and  dark  and  dreary  ; 
It  rains,  and  the  wind  is  never  weary  ; 
My  thoughts  still  cling  to  the  mouldering  Past, 
But  the  hopes  of  youth  fall  thick  in  the  blast, 
And  the  days  are  dark  and  dreary. 

Be  still,  sad  heart  !  and  cease  repining ; 
Behind  the  clouds  is  the  sun  still  shining  : 
Thy  fate  is  the  common  fate  of  all, 
Into  each  life  some  rain  must  fall, 

Some  days  must  be  dark  and  dreary. 

-H.  W.  Longfellow. 

"Do  thyself  no  harm,"  is  an  injunction  of 
wide  application.  A  man  who  would  wantonly 
cut  off  any  of  his  members,  by  persisting  in 
such  a  course  would  eventually  find  himself 
disabled,  and  degraded  to  a  position  of  help- 
lessness and  dependence  ;  and  he  who  does 
violence  to  his  moral  nature  does  himself  a 
still  greater  wrong.  Desires,  appetites,  and 
passions  may  be  conquered  and  trampled 
under  foot ;  but  he  who  crushes  his  conscience, 
who  violates  his  sense  of  right,  who  suffers 
himself  to  do  wrong  to  others,  and  does  not 
make  haste  to  repair  that  wrong,  has  done 
himself  an  injury  much  greater  than  that  which 
others  have  suffered  at  his  hand. 

A  consciousness  of  integrity  gives  moral 
strength ;  an  erect  man  can  carry  a  heavier 
load  than  one  who  stoops,  and  an  upright  man 
has  a  strength  which  those  who  have  bowed 
down  to  false  gods  know  nothing  of.  A  hollow 
heart  makes  a  feeble  hand.    Whenever  we  try 
to  persuade  ourselves  that  wrong  is  right,  that 
duty  is  unimportant,  that  the  thing  we  wish  to 
do  we  may  do,  even  though  it  be  forbidden  of 
God,  we  may  bewilder  our  conscience,  and 
blind  our  eyes,  and  drift  away  from  the  path  of 
God's  providence  and  our  own  duty,  but  we 
are  laying  up  sorrow  for  ourselves.  And  when  ! 
the  day  shall  come  that  will  demand  all  our 
courage,  fortitude,  and  faith,  we  shall  find  that  | 
we  have  cut  the  sinews  of  our  own  strength,  | 
and  done  ourselves  an  injury  which  we  are  j 
powerless  to  repair. 


A  person  wrote  to  the  New- York  Tribune : 
"  I  am  a  young  man  just  commencing  business, 
and  have  some  young  men  in  my  employ. 
How  can  I  manage  to  prevent  insubordination 


on  the  one  hand,  and  to  make  an  affirmative 
success  as  an  employer  on  the  other  hand  ? 
Are  there  any  books  that  will  help  me  ?  What 
are  some  of  the  best  books  for  a  young  busi- 
ness man  ?  " 

The  following  pertinent  suggestions  were 
given  in  the  answer:  "  The  best  single  treatise 
is  the  New  Testament;  next  to  this  is  the  Book 
of  Proverbs  of  Solomon.  The  best  business 
man  we  have  ever  known  memorized  the  entire 
Book  of  Proverbs  at  twenty-two — carrying  the 
American  Tract  Society's  ten-cent  edition  in 
his  vest-pocket,  and  committing  a  half-dozen 
verses  daily;  and  when  he  became  an  employer, 
gave  a  copy  of  the  book  to  every  employe, 
with  a  friendly  inscription  commending  it  as 
an  admirable  business  guide." 

We  believe  the  winning  of  wealth  to  be  a 
perfectly  legitimate  pursuit.  Wealth  has  great 
and  beneficent  uses,  and  the  world  would 
go  very  slowly  if  money  could  not  be  accumu- 
lated in  wise  and  enterprising  hands ;  but 
wealth  may  be  used  to  make  all  men  near 
it  prosperous  and  happy,  or  it  may  be  used  to 
make  them  poor  and  miserable.  When  a  rich 
man  is  only  excited  by  his  wealth  with  the 
desire  to  be  richer,  and  goes  on  to  exact  larger 
profits  and  to  grind  the  faces  of  the  poor, 
in  order  that  he  may  be  superfluously  rich,  he 
becomes  inhuman  and  unchristian.  The  Chris- 
tian use  of  wealth  is  what  we  need  in  this 
country  and  in  all  countries.  It  is  not  that 
wealth  does  not  give  in  charity.  It  is  not  that 
wealth  is  not  sufficiently  taxed  for  the  support 
of  those  who  are  wrecked  in  health  or  fortune, 
but  it  is  that  wealth  does  not  give  the  people  a 
chance  to  escape  from  poverty  ;  that  it  does 
not  share  its  chances  with  the  poor,  and  point 
the  pathway  for  the  poor  toward  prosperity. 
As  a  rule,  wealth  is  only  brotherly  toward 
wealth,  and  the  poor  man  feels  himself  cut  off 
from  sympathy  with  those  who  have  the  power 
of  winning  money.  We  may  rest  assured  of 
one  thing,  namely,  that  the  poor  in  the  future 
will  insist  on  being  recognized.  If  they  are 
not  recognized  —  if  they  are  ignored  in  the  mad 
greed  for  wealth  at  any  cost  to  them  —  they 
will  make  the  future  a  troubled  and  terrible 
one  for  our  children  and  our  children's  chil- 
dren.— J.  G.  Holland. 

When  Eve  brought  woe  to  all  mankind. 
Old  Adam  called  her  wo-man  ; 
But  when  she  wooed  with  love  so  kind, 
He  then  pronounced  her  ivoo-man. 
But  now,  with  folly  and  with  pride, 
Their  husbands'  pockets  trimming, 
The  women  are  so  full  of  whims 
That  men  pronounce  them  wimmen  / 

—Anonymous. 


36  THE      NEW-YORK  ALMANAC;. 


BOM  B. 

There  is  a  spot  of  earth  supremely  blest, 
A  dearer,  sweeter  spot  than  all  the  rest, 
Where  man,  creation's  tyrant,  casts  aside 
His  sword  and  scepter,  pageantry  and  pride, 
While  in  his  softened  looks  benignly  blend 
The  sire,  the  son,  the  husband,  brother,  friend. 
Here  woman  reigns  ;  the  mother,  daughter,  wife, 
Strews  with  fresh  flowers  the  narrow  way  of  life  ! 
In  the  clear  heaven  of  her  delightful  eye, 
An  angel  guard  of  loves  and  graces  lie ; 
Around  her  knees  domestic  duties  meet, 
And  fireside  pleasures  gambol  at  her  feet. 

— James  Montgomery. 

A  WEIjIj-ORDERED  HOME. 

IF  every  woman  would  set  it  before  her,  as 
an  aim  worthy  of  all  that  is  strongest  and 
best  in  her,  to  conduct  a  well-ordered  home,  a 
great  deal  of  happiness  and  real  beauty  would 
be  gained.  ...  It  is  wonderful  to  see  how 
much  ingenuity  is  displayed  by  some  women 
who,  with  very  little  money,  arc  always  dressed 
in  perfect  taste,  and,  with  no  apparent  effort, 
keep  old  furniture  from  looking  shabby,  old 
carpets  and  curtains  fresh  and  bright.  But 
these  things  are  accomplished  by  much  thought 
and  a  great  deal  of  hard  work.  Nothing  helps 
a  person  to  do  things  like  doing  them  ;  and 
it  is  a  fact  that  in  time  one  who  has  an  actual 
distaste  for  housework  may  come  to  regard  her 
kitchen  as  a  laboratory  in  which  careful  manip- 
ulations will  produce  exact  results.  One  seeing 
only  these . results  is  not  very  much  to  blame 
for  thinking  them  brought  about  in  some  mag- 
ical way.  .  .  .  Of  course  there  is  a  difference 
in  people,  but  many  would  be  surprised  if  they 
were  told  that  the  reason  why  they  cannot  do 
certain  things  is  because  they  never  really 
tried.  .  .  . 

A  capital  motto  to  be  hung  over  the  kitchen 
door  is  this,  "  Thou  desirest  truth  in  the 
inward  parts  "  ;  and  the  woman  who,  when 
she  expected  company  to  tea,  always  went 
the  first  thing  and  washed  the  cellar  stairs, 
had  tendencies  in  the  right  direction.  .  .  . 
"  If  there  is  to  be  any  dirt  in  the  house," 
said  the  best  housekeeper  I  ever  saw,  "  let  it 
be  where  I  can  see  it ;  let  it  lie  on  the  parlor 
tables  and  chairs,  rather  than  be  allowed  to 
remain  under  the  beds,  and  in  corners  where 
it  will  become  rich  soil  for  the  development 
of  germs  of  disease."  .  .  .  "Girls,"  said 
grandmother  to  us  one  day,  when  we  had 
been  having  one  of  our  what  Aunt  Dinah 
would  call  "  clarin'-up  times,"  —  "girls,  my 
grandmother  used  to  tell  me  that  one  keep 
clean  is  worth  a  dozen  make  cleans." — From 
"  Household  Hints"  by  Emma  W.  Babcock. 


HOUSE-PIjANTS  I  N  winter. 

PKKI'AKATK  >.\S  for  house-plants  in  win- 
ter must  be  made  during  the  previous 
spring  and  summer  ;  and  proper  soil,  a  mode- 
rale  amount  of  heat,  sun,  and  moisture,  are 
absolute  essentials  to  their  successful  culture, 
i  The  pots  for  house-plants  should  not  be  too 
large.    Those  of  contracted  dimensions  will 
insure  more  bloom,  and  make  a  stronger  and 
j  more  compact  plant.    A  plant  to  be  forced  is 
i  always  placed  in  what  seems  like  a  receptacle 
of  insufficient  size.  The  soil  for  potting  should 
not  be  moist  but  friable,  and  the  pot  washed 
inside  and  out,  and  well  dried  before  using  it. 

Although  ventilation  is  very  desirable,  plants 
should  never  be  aired  in  winter  by  letting  a 
draught  blow  on  them,  even  on  mild  days,  as 
this  is  always  an  injury,  sometimes  a  fatal  one. 
The  morning  sun  is  the  great  invigorator  in 
I  the  way  of  growth  and  bloom,  and  a  healthy 
j  appearance  generally,  and  only  plants  that  love 
the  shade  will  prove  at  all  satisfactory  without 
this  tonic.  ...  In  western    windows,  with 
dry  heat,  may  be  grown  amaryllis,  calla,  zonale 
geraniums,  cineraria,  heliotrope,  fuchsias,  vin- 
ca,  wax  plant,  cactus,  German  ivy,  winter- 
blooming  pinks,  etc.  .   .  .  Western  windows, 
with  little  heat,  are  favorable  to  fuchsias,  zonale 
geraniums,  Chinese  primrose,  vinca,  pansies, 
j  pinks,  lily-of-the-valley,  ixia,  sparaxis,  tritoma, 
tulip,  hyacinth,  scilla,  lilium,  rose-geranium, 
heliotrope. 

To  ascertain  the  needs  of  any  plant  in  re- 
spect to  water,  it  is  only  necessary  to  rap 
on  the  side  of  the  pot ;  a  hollow,  ringing  sound 
in  reply  is  a  cry  for  water,  while  a  dull,  heavy 
sound  indicates  that  the  plant  is  not  thirsty. 

Once  a  week  the  leaves  of  all  house-plants 
should  have  a  thorough  washing,  and  an  atom- 
izer will  be  found  excellent  for  this  purpose. 

Hanging-baskets  require  frequent  watering, 
for  which,  with  due  regard  to  the  carpet  be- 
neath, they  have  to  be  taken  down  from  their 
perches,  and  then  suspended  somewhere  else 
to  dry ;  but  this  trouble  maybe  avoided  by  sus- 
pending a  bottle  of  water  just  above  the  basket, 
and  place  in  it  two  pieces  of  yarn,  leaving  one 
end  of  each  piece  outside.  The  drip  will  keep 
the  earth  moist  enough  for  winter. — From  the 
"  Home  Garden"  by  Ella  Rodman  Church. 

Better  trust  all,  and  be  deceived, 
And  weep  that  trust  and  that  deceiving, 

Than  doubt  one  heart,  that,  if  believed, 
Had  blessed  one's  life  with  true  believing. 

O,  in  this  mocking  world,  too  fast 

The  doubting  fiend  o'ertakes  our  youth  ! 

Better  be  cheated  to  the  last, 

Than  lose  the  blessed  hope  of  truth. 

— Frances  Anne  Ketnble. 


THE      NEW-YORK     ALMANAC.  37 


THE  POET'S  SONG. 

[For  the  song  itself,  see  Tennyson's  Works.— Ed.] 

The  rain  had  fallen,  the  Poet  arose, 

He  passed  by  the  town  and  out  of  the  street, 
A  light  wind  blew  from  the  gates  of  the  sun, 

And  waves  of  shadow  went  over  the  wheat, 
And  he  sat  him  down  in  a  lonely  place, 

And  chanted  a  melody  loud  and  sweet, 
That  made  the  wild-swan  pause  in  her  cloud, 

And  the  lark  drop  down  at  his  feet. 

The  swallow  stopped  as  he  hunted  the  bee, 

The  snake  slipt  under  a  spray, 
The  wild  hawk  stood  with  the  down  on  his  beak, 

And  stared  with  his  foot  on  the  prey, 
And  the  nightingale  thought,  "  I  have  sung 
many  songs, 

But  never  a  one  so  gay, 
For  he  sings  of  what  the  world  will  be 

When  the  years  have  died  away." 

— Alfred  Tennyson. 

Blustering  natures,  forgetful  of  the  great 
truth  that  "  power  itself  hath  not  one-half  the 
might  of  gentleness,"  miss  the  ends  for  which 
they  strive  just  because  the  force  that  is  in  them 
is  not  properly  economized.  Then  as  regards 
temper  —  any  man  who  allows  that  to  master 
him  wastes  as  much  energy  as  would  enable 
him  to  remove  the  cause  of  anger  or  overcome 
an  opponent.  The  little  boy  of  eight  years  old 
who  in  the  country  is  often  seen  driving  a 
team  of  four  immense  dray  horses,  is  one 
of  the  innumerable  instances  of  the  power  of  \ 
reason  over  mere  brute  force,  which  should 
induce  violent  tempers  to  become  calm  from 
policy,  if  from  no  higher  motive. 

However  modest  his  contemplated  dwelling 
may  be,  the  fees  of  an  able  and  conscientious 
architect  will  be  a  saving,  not  an  expense  ;  an 
able  architect  is  not  only  an  artist,  but  a  practi- 
cal man  of  business,  whose  duty  it  is  to  see 
that  his  client  gets  the  most  of  the  best  for  his 
money  ;  and  this  consists  as  much  in  economy 
of  construction  as  in  preventing  impositions  of 
all  sorts. 

There  is  a  prevailing  belief  that  beauty  and 
expense  are  synonymous  in  house-building, 
and  that  those  of  us  who  have  light  purses 
must  be  content  with  more  or  less  hideous  and 
ill-contrived  things.  One  of  our  main  objects  in 
these  pages  is  to  combat  this  fallacy,  and  to 
show  that,  though  ornament  and  expense  may 
be  synonomous,  beauty  consists  in  a  harmo- 
nious relation  which  is  as  attainable  in  a  cot- 
tage as  in  a  palace,  and  that  to  apply  the  same 
principles  of  construction  or  decoration  to  both 


must  result  in  an  effect  of  parsimonious  bald- 
ness on  the  one  hand,  and  of  absurd  ostenta- 
tion on  the  other. — From"  Building  a  Ho7ne" 
by  A.  F.  Oakey. 

If  we  could  compress  into  one  golden  sen- 
tence the  nearest  approach  to  a  formula  for 
home  happiness,  it  would  be  this  :  Be  as  polite 
to  one  another  as  if  all  were  strangers.  Do 
not  let  the  intimacy  of  home  break  down  a  sin- 
gle barrier  of  self-control.  Let  every  member 
of  the  family  studiously  respect  the  rights  — 
moral,  intellectual,  and  physical  —  of  every 
other  member.  Let  each  one  refrain  from 
attacking  the  convictions  of  the  other.  We 
would  not  so  treat  a  stranger.  Why  our 
own  ? 

"  Still  in  thy  right  hand  carry  gentle  peace, 
To  silence  envious  tongues." 

Furnishing  [a  house]  may  be  done  artist- 
ically without  following  rigidly  all  the  rules  of 
high  art.  .  .  .  There  are  a  few  fundamental 
rules,  however,  that  cannot  be  discarded,  for 
in  a  well-furnished  apartment  there  must 
be  fitness,  appropriateness,  proportion,  sim- 
plicity, harmony,  and  durability.  Ornament 
should  always  be  a  part  of  a  structure,  and 
never  attached  to  a  structure.  There  should  be 
no  overcrowding  on  the  one  hand,  nor  bareness 
on  the  other.  There  should  be  a  key  of  color, 
to  which  all  the  tints  should  bear  relation. 
.  .  .  Art  does  not  exact  costly  things,  but  it 
requires  sincere  things.  Ornament  must  not 
only  be  sincere,  but  chaste  and  modest.  Every- 
thing showy  and  tawdry,  ornament  that  di- 
verts attention  from  the  object  it  is  intended  to 
ornament  to  itself,  defeats  its  purpose.  Orna- 
ment is  to  heighten  the  general  effect,  to  give 
character  and  beauty,  not  simply  to  pile  one 
substance  upon  another. — From  "  How  to  Fur- 
nish a  Home"  by  Ella  Rodman  Church. 

EPITAPH. 

Farewell !  since  nevermore  for  thee 
The  sun  comes  up  our  earthly  skies, 

Less  bright  henceforth  shall  sunshine  be 
To  some  fond  hearts  and  saddened  eyes. 

There  are  who,  for  thy  last  long  sleep, 
Shall  sleep  as  sweetly  nevermore, 

Must  weep  because  thou  canst  not  weep, 
And  grieve  that  all  thy  griefs  are  o'er. 

Sad  thrift  of  love !  the  loving  breast, 
Whereon  thine  aching  head  was  thrown, 

Gave  up  the  weary  head  to  rest, 
But  kept  the  aching  for  its  own. 

—  T.  K.  Hervey. 


38  THE      NEW-YORK  ALMANAC. 


lifj:  ixsruANCE  topics. 


WHY   INSURE  J.IIE? 

i. 

BECAUSE  life  has  a  money  value  which 
may  be  suddenly  destroyed.     Men  in- 
sure houses  on  that  principle — why  not  life? 

2.  Because  a  man  may  die  poor  —  when  life 
insurance  would  be  a  great  boon  to  his  family. 
Many  men  have  died  poor  who  once  had 
wealth,  or  excellent  prospects  of  it. 

3.  Because,  while  men  hope  to  leave  a 
comfortable  sum  for  their  families,  they  can 
make  sure  of  doing  so  by  life  insurance. 

4.  Because  if  one  dies  possessed  of  a  fort- 
une, a  part  of  his  estate  might  as  well  be 
in  the  form  of  life  policies  as  in  any  other. 

5.  Because  life  policies  furnish  ready  cash  to 
an  estate  without  the  sacrifice  of  any  interests, 
or  the  winding  up  or  selling  out  of  any  busi- 
ness. 

6.  Because  by  insuring  one  provides  for  his 
family's  future,  and  need  have  no  more  anxiety 
on  their  account  if  he  is  ill,  or  business  troubles 
threaten  his  capital. 

7.  Because  if  a  man  dies  within  fifteen  or 
twenty  years  after  insuring,  his  life  policies  will 
bring  his  estate  more  than  the  premiums  would 
if  put  at  compound  interest — and  the  proba- 
bility is  he  would  not  put  them  at  interest  and 
keep  them  there. 

8.  Seven  reasons  are  enough,  but  as  a  com- 
prehensive reason,  covering  the  whole  ground, 
may  be  added : 

Because  the  probabilities  are  that 
the  proceeds  of  a  life  policy  will  be  of 
more  benefit  and  importance  to  one's 
family  or  estate  when  he  dies  than  the 
premiums  will  be  to  him  while  he  lives. 

9.  This  REASONING  and  CONCLU- 
SION is  certainly  that  of  the  best  and 
shrewdest  business  men  of  the  country 
—  for  they  are  very  generally  insured 
for  large  amounts. 

10.  Proof  that  these  conclusions  are  sound 
is  furnished  by  the  figures  of  the  policies  paid 
every  month  by  the  New- York  Life  Insur- 


ance Company.  The  death  of  some  soon 
after  insuring  shows  that  a  man  may  appear 
perfectly  well  and  yet  have  but  a  short  time  to 
live.  The  large  sums  which  are  paid  to  the 
families  of  those  who  die  shew  how  life  insur- 
ance lengthens  out  the  life  of  a  man  in  its 
money-producing  power,  thus  enabling  him  to 
provide  for  his  family  in  death  as  well  as 
in  life.  The  fact  that  nearly  every  policy  paid 
returns  more  than  has  been  paid  on  it,  and 
that  the  average  gain  is  large,  shows  that  as  a 
class  men  who  die  insured  are  largely 
the  gainers  by  life  insurance. 

A  REASONABLE  PRUDENCE. 

CONSIDERING  how  liable  young  and 
middle-aged  men  are  to  die,  and  how 
dependent  their  families  are  upon  the  results 
of  their  labor,  the  insurance  of  their  lives  is 
seen  to  be  only  the  exercise  of  a  reasonable 
prudence.  The  average  mortality  of  men  at 
age  thirty  is  about  eight  per  thousand ;  at  age 
forty,  about  ten  per  thousand  ;  at  forty-seven, 
about  twelve  per  thousand ;  at  fifty,  about 
fourteen  per  thousand.  Among  men  from 
thirty  to  fifty,  therefore,  about  eleven  families 
will  each  year  be  deprived  of  their  chief  sup- 
port. The  ranks  of  such  a  company  will  be 
more  than  decimated  every  ten  years. 

It  is  said  with  some  show  of  reason  that  the 
safest  place  for  a  man  is  on  board  an  express 
train,  moving  at  the  rate  of  thirty  miles  an 
hour,  —  because  statistics  show  so  few  persons 
injured  in  comparison  with  the  number  carried. 
And  why  ?  Because  great  pains  are  taken  to 
prevent  accidents  ;  everything,  from  road-bed 
to  patent  brakes,  is  studied  with  reference  to 
safety.  Were  it  known  that  any  reasonable 
precautions  for  the  safety  of  passengers  were 
neglected,  there  would  be  an  outcry  of  public 
indignation.  Railroad  companies  are  held  to 
account  in  heavy  damages  for  injury  to  passen- 
gers, because  it  is  their  business  to  carry 
them  safely.  So  it  is  every  man's  busi- 
ness to  carry  his  family  safely  through 


THE  NEW-YO 


the  period  of  their  dependence,  and  to 

trifle  with  interests  so  sacred,  by  putting  them 
to  unnecessary  hazard,  is  to  incur  a  very  grave 
responsibility.  When  a  man  does  his  best 
there  still  remain  risks  enough ;  but  woe  unto 
him  who  neglects  a  reasonable  precaution 
against  dangers  that  are  well  known. 

When  one  goes  on  board  a  steam-boat,  and 
sees  the  fire-buckets  and  axes,  the  life-boats 
and  life-preservers,  and  then  reflects  how  sel- 
dom there  is  any  occasion  to  use  them,  it  seems 
like  a  waste  of  money  —  a  provision  against 
danger  out  of  all  proportion  to  the  danger. 
Thousands  of  passengers  are  carried  every 
year,  and  not  one  of  them  uses  a  life-preserver ; 
the  life-boats  rot  at  the  davits  ;  but  who  would 
wish  to  travel  on  a  steam-boat  that  neglected  to 
provide  such  things  ?  The  truth  is,  when 
such  things  are  needed  it  is  a  matter 
of  life  or  death,  and  people  realize  that 
it  is  better  to  provide  them  ten  thou- 
sand times  where  they  may  prove 
unnecessary  than  to  be  without  them 
once  when  they  need  them. 

But  no  large  company  of  persons  journey 
through  the  world  long,  before  some  of  them 
feel  the  need  of  life  insurance.  Every  year  the 
shadows  of  death  fall  upon  the  homes  and 
hearts  of  more  or  less.  It  is  only  a  reasonable 
precaution  for  all  to  insure.  The  cost  of  in- 
suring is  not  so  great  that  it  deserves  to  be 
compared  with  the  sad  results  to  the  families 
of  those  who  die  uninsured. 

COST  AND  WORTH. 

rl"  reference  to  property,  the  value  of  which 
is  not  clearly  apparent,  people  are  usually 
glad  to  have  that  which  costs  most.  Buying 
in  the  open  market,  where  competition  is 
sharp,  and  where  others  buy  who  know  what 
such  things  ought  to  cost,  ordinary  people  con- 
clude, and  rightly,  that  price  is  a  fair  measure 
of  value.  If  they  do  not  always  buy  the  high- 
est-priced articles,  it  is  usually  because  they 
feel  that  they  cannot  afford  them.  They  would 
prefer  to  have  that  which  sells  for  most  in 
open  market,  because  they  honestly  believe  it 
to  be  worth  most ;  and  they  are  usually  right. 
It  is  folly  to  suppose  that  where  there  is  no 


RK     ALMANAC.  39 


monopoly  of  privilege  inferior  goods  can  be 
continuously  palmed  off  at  the  highest  price. 

Suppose  we  apply  this  principle  to  life  in- 
surance. Some  say  it  costs  too  much  —  that 
it  might  be  furnished  at  a  lower  rate.  But 
there  are  many  life-insurance  companies.  Com- 
petition is  as  sharp  as  in  any  other  business 
under  the  sun.  If  it  were  possible  to  furnish 
safe  and  continuous  insurance  at  a  lower  rate 
than  that  which  it  costs  in  an  old  and  purely 
mutual  company  like  the  New- York  Life, 
surely  some  of  its  rivals  would  have  found  it 
out.  There  is  no  other  conclusion  possible. 
Life  insurance,  like  everything  else,  is  bought 
and  sold  on  its  merits,  and  a  company  cannot 
go  on  many  years  selling  a  commodity  in  open 
market  for  much  more  than  it  costs  to  furnish 
it.  If  it  is  offered  at  widely  different  prices, 
there  is  doubtless  quite  as  much  difference  in 
the  quality  as  in  the  price. 

But  insurance  may  be  promised,  without 
regard  to  cost  or  value.  Life  insurance  is 
notably  "sold  for  future  delivery";  that  is 
to  say,  the  company  receives  money  when  it 
sells  insurance,  and  the  insurance  is  a  contract 
to  pay  money  by  and  by.  Any  one  can  see 
how  easy  it  is  to  promise,  at  any  price; 
but  to  deliver  the  goods  is  a  different  thing. 
For  this  reason,  a  new  insurance  company 
with  no  capital  and  no  experience  offers  prac- 
tically no  security  whatever,  when  it  takes  an 
insurer's  money,  that  it  can  or  will  redeem  its 
promise.  The  insurer  must  take  its  policy  on 
trust.  So,  when  a  new  plan  of  insurance  is 
proposed  upon  untried  principles,  it  may 
appear  plausible ;  but  one  must  pay  his  money 
now,  before  it  is  tested,  and  run  the  risk  of 
the  plan  proving  a  failure. 

The  object  of  insuring  one's  life  is  to  avoid 
risk — to  pay  for  the  risk,  and  let  some  one 
else  carry  it.  A  man  wants  no  failure  at  the 
other  end  of  the  line ;  he  pays  his  money  in 
order  that  there  may  be  none ;  he  wants  the 
best  and  surest  indemnity  that  money  can  buy. 
He  wants  to  buy  a  certainty,  and  not  a  per- 
haps—  not  a  probability,  even.  Therefore,  if 
he  is  not  very  short-sighted,  he  will  choose 
that  which  experience  has  shown  to  be  good, 
even  if  it  does  cost  more,  rather  than  a  prom- 
ise, the  value  of  which  he  cannot  estimate. 


40 


THE  NEW-YO 


R  K      A  LM  AN  AC. 


SAVING  AND  IN  V  KSTIN  < .. 

r  I AHERE  are  too  many  young  men  who 
JL  spend  their  surplus  earnings  freely  be- 
cause they  have  no  pressing  use  for  them. 
They  are  not  in  business  that  requires  capital. 
They  earn  salaries.  They  do  not  owe  money ; 
they  are  not  interested  in  investments,  because 
they  have  so  little  to  invest.  To  put  money 
in  a  savings-bank  seems  too  miserly  —  too 
small  business.  What,  go  to  the  bank  every 
month  after  pay-day,  and  deposit  $5  or  $10  ! 
No,  they  may  want  it ;  and  so  they  keep 
it,  and  it  goes  —  they  hardly  know  how  or 
where.  How  many  keep  an  expense  account, 
or  could  tell  at  the  end  of  the  year  what 
they  had  spent  their  wages  for  ? 

The  time  will  doubtless  come  for  all  such, 
sooner  or  later,  when  they  will  need  the  money 
they  are  now  spending  so  freely.  When  they 
get  ready — or  when  they  get  a  good  chance, 
and  find  that  they  are  not  "  ready,"  because 
they  lack  capital  —  to  go  into  business  for  them- 
selves, then  they  will  begin  to  realize  the  value 
of  money.  They  have  dreamed  of  riches  all 
their  lives  ;  but,  while  awake,  have  let  the  seeds 
of  riches  fall  by  the  way-side  and  be  devoured. 
We  do  not  ask  a  young  man  to  be  close  and 
mean ;  we  only  advise  him  to  do  what  he  will 
by  and  by  admit  is  the  wise  thing  for  a  young 
man — and  that  is  to  invest  a  part  of  his  income. 
Do  not  spend  it  all  on  yourself  and  your 
pleasures.  Taking  care  of  dependents,  edu- 
cating yourself  or  others,  putting  money  into 
savings-banks  or  life  insurance  —  these  are  all 
first-class  investments. 

It  is  specially  desirable  for  men  to  insure 
their  lives  young.  If  they  marry,  their  fami- 
lies will  need  the  protection  of  life  insurance ; 
if  they  do  not,  they  ought  to  have  endowments 
for  themselves.  By  insuring  while  young,  a 
man  may  have  his  policy  —  especially  if  a  Lim- 
ited Payment  Policy — nearly  paid  up  before  he 
has  the  expense  of  a  family  to  provide  for. 
Moreover,  he  gets  the  same  amount  of  insur- 
ance for  a  less  sum  of  money — both  annually 
and  actually.  It  may  seem  a  paradox,  but  it 
actually  costs  less  cash  paid  out  to  insure  for 
one's  whole  life  than  for  the  latter  part  alone. 
That  is  the  reward  of  beginning  early.  Again, 


a  man  runs  less  risk  of  being  rejected  by  the 
medical  examiner  if  he  applies  for  insurance 
while  young.  It  is  a  serious  matter,  when  a 
man  gets  a  family  and  needs  insurance,  to  find 
that  no  first-class  life  company  will  insure  him. 
When  a  man  cannot  get  insurance,  then  he 
realizes  his  need  of  it  as  never  before.  Insure 
while  young,  and  have  insurance  always. 

IIOLI  DA  Y    JOl  8. 

THANKSGIVING,  and  Christmas,  and 
New  Year's  —  how  they  have  crowded 
upon  one  another  until,  now  that  they  are 
over,  and  the  cheerful  round  (or  grind)  of 
daily  toil  begins  again,  doubtless  many  feel 
somewhat  as  children  do  after  a  surfeit  of 
sweets  —  there  is  a  bad  taste  in  the  mouth,  and 
no  appetite  for  the  meat  and  potatoes  of  life. 
This  is  only  an  admonition  to  enjoy  pleasure 
in  a  more  rational  way,  and  not  to  try  to  get 
from  it  more  than  there  is  in  it.  Holidays 
and  vacations  ought  to  leave  us  better  prepared 
for  work  —  ought  to  leave  us  with  more 
strength  and  better  courage.  When  they  do 
not,  it  is  a  sign  that  something  was  wrong  in 
our  method  of  enjoying  them ;  either  they 
were  not  of  the  right  sort,  or  we  entered  upon 
them  with  mistaken  ideas  and  temper. 

But  we  are  bound  to  assume  that  our  read- 
ers had  a  good  time,  and  are  satisfied  with 
themselves.  May  they  never  have  less  cause 
for  thanksgiving,  less  reason  to  be  merry,  nor 
see  the  dawning  of  a  less  happy  new  year.  In 
order  that  this  may  be  so,  however,  some 
things  are  prerequisite.  Philosophers  and  crit- 
ics say  "  we  see  in  a  thing  what  we  bring  means 
of  seeing."  So  we  enjoy  holidays,  and  all  days, 
just  as  much  as  we  bring  to  them  means  and 
capacities  for  enjoyment — and  no  more.  We 
make  the  day  what  it  is  to  us  —  very  largely. 
There  is  something  in  the  atmosphere,  the  sur- 
roundings, that  helps,  to  be  sure,  but  it  needs 
to  be  appropriated  before  it  does  us  any  good. 
Nay,  more,  unless  we  can  appropriate  it, — 
unless  we  are,  to  a  certain  extent,  in  harmony 
with  it, —  it  rather  mocks  than  comforts  us. 

One  does  not  need  to  look  far,  nor  to  con- 
sider long,  to  perceive  that  a  large  part  of 
holiday  joys  lies  in    making   others  happy 


THE  NEW-YO 


—  in  being  happy  with  others.  That  was  a 
poor  thanksgiving  when  the  Pharisee  thanked 
God  that  he  was  not  as  other  men,  and  it 
always  will  be  a  poor  thanksgiving  to  rejoice 
simply  because  we  are  blessed.  It  would  be 
hard  to  imagine  a  more  unhappy  world  for  a 
decent  man  to  live  in  than  one  in  which  he 
alone  was  happy.  There  may  be  a  good  deal 
of  make-believe  and  cant  in  the  ordinary  talk 
about  living  to  make  others  happy,  and  prob- 
ably very  few  make  that  the  sole,  or  chief,  aim 
of  life,  but  a  man  would  need  to  be  far  gone  in 
selfishness  who  could  enjoy  a  feast  with  starv- 
ing men  looking  on. 

If  a  man  is  not  happy  in  looking  back  and 
looking  forward,  in  considering  his  own  pros- 
pects and  those  of  his  family,  let  him  consider 
whether  he  is  doing  his  duty  toward  them  and 
toward  himself  in  the  matter  of  life  insurance. 
Do  they  need  its  protection  now  ?  Will  you 
need  its  help  in  the  shape  of  an  endowment  if 
you  live  to  old  age  ?  If  so,  do  not  expect  to  be 
happy  until  you  do  your  duty. 

ENDOWMENT  INSURANCE 
FOR  BUSINESS  MEN. 

IT  is  not  necessary  "  to  suppose  "  cases  in 
order  to  show  that  life  and  endowment  pol- 
icies are  among  the  most  beneficent  agencies 
that  men  can  employ  for  securing  their  families 
and  themselves  from  the  dangers  of  adversity. 
The  large  sums  paid  by  life  companies  every 
month,  as  death-claims  and  matured  endow- 
ments, are  continual  illustrations  of  the  wisdom 
of  those  proverbs  which  warn  men  to  prepare 
for  adversity  while  they  are  prosperous. 

We  are  inclined  to  think  that  writers  gener- 
ally fail  to  give  due  prominence  to  the  value  of 
endowments.  The  life  policy  pleads  its  own 
case.  A  mother  and  children,  left  without  the 
means  of  support,  presents  a  spectacle  so  piti- 
able, and  one  that  reflects  so  clearly  the  im- 
providence of  the  husband  and  father,  that  life 
insurance  as  a  protection  to  the  family  ought  not 
to  need  any  special  eloquence  to  plead  its  right 
to  recognition  and  patronage.  But  all  that 
can  be  said  in  favor  of  life  insurance 
proper  can  also  be  urged  in  favor  of 
endowment   insurance,  except  that  the 


RK     ALMANAC.  41 

former  is  the  cheaper,  and  there  are  additional 
advantages  in  the  endowment  policy  which 
more  than  compensate  for  the  additional  outlay. 

Remembering  what,  and  how  great,  the  ad- 
vantages of  a  life  policy  are,  the  perfect 
security  of  the  family,  in  the  sum  of 
the  full  face  of  the  policy,  from  the 
moment  the  first  premium  is  paid,  let 
us  note  some  of  the  additional  advantages  of 
the  endowment  form.  First,  there  is  definite- 
ness  in  the  number  of  premiums  to  be  paid, 
if  the  insured  outlive  the  endowment  period ; 
second,  definiteness  in  the  amount  of  a  paid-up 
policy,  in  case  one  should  ever  be  wanted ;  and 
third,  certainty  of  the  money  coming  to  the 
insured  himself,  should  he  outlive  the  period 
for  which  he  insured.  These  are  certainly 
great  advantages.  It  is  pleasant  to  know  the 
extreme  limits  of  one's  contract ;  to  feel,  as  the 
years  go  by,  that  with  every  premium  paid 
there  remain  only  a  certain  and  definite  num- 
ber to  be  paid  ;  and  certainly  nothing  could  be 
more  delightful  than  to  survive  the  perils  of 
one's  endowment  period,  and  receive  the  money 
on  his  own  policy. 

How  many  men  we  all  know  who  have  been 
fairly  prosperous  all  their  lives,  have  spent 
large  sums  of  money  first  and  last  unneces- 
sarily, who  now  think  of  nothing  so  much  as 
how  to  keep  up  a  respectable  appearance  in  the 
world,  and  make  both  ends  meet  at  the  end  of 
the  year  !  They  put  all  their  accumulations 
into  business  and  houses  and  furniture,  and  lo ! 
they  are  not.  Consider,  now,  you  who  know 
their  former  resources,  how  easily  they  could 
have  taken  $5000  endowment  policies  twenty- 
five  years  ago ;  and  then  remember  that  you 
have  now  the  inestimable  privilege  of 
profiting  by  their  experience. 

Once  to  every  man  and  nation  comes  the  mo- 
ment to  decide, 

In  the  strife  of  truth  with  falsehood,  for  the 
good  or  evil  side ; 

Some  great  cause,  God's  new  Messiah,  offering 
each  the  bloom  or  blight, 

Parts  the  goats  upon  the  left  hand,  and  the 
sheep  upon  the  right, 

And  the   choice  goes   by  forever,    twixt  that 
darkness  and  that  light. 

— J.  R.  Lowell:  "The  Present  Crisis." 


42  THE      NEW-YORK  ALMANAC. 


Till]    WORK    OF    A  SINGLE 
Y  EA  R. 

rpHE  work  of  the  New-York  Life  Insur- 
±  ance  Company  during  1880  was  of  such 
magnitude  and  importance  as  to  justify  a  some- 
what extended  reference  —  indeed,  an  article 
of  readable  length  can  only  touch  upon  a  few 
of  the  most  important  features  of  the  Com- 
pany's operations.  First,  there  was  the  secur- 
ing of  about  ten  thousand  applications  for 
insurance,  and  the  acceptance  of  over  six 
thousand  new  risks,  covering  insurance  to  the 
amount  of  over  eighteen  million  dollars.  The 
low  mortality  rate  of  the  Company  results 
from  the  scrupulous  care  exercised  in  the 
acceptance  of  risks ;  and  although  it  may  be  a 
misfortune  to  those  whose  applications  are 
declined,  it  is  of  great  importance  to  those 
already  insured  and  to  those  now  insuring. 
The  general  satisfaction  of  old  policy-holders 
is  well  attested  by  the  fact  that  only  785  in 
a  membership  of  over  45,000  surrendered 
their  policies  during  the  year. 

The  income  of  the  Company  was  nearly 
nine  million  dollars.  There  were  nineteen 
companies  doing  business  in  the  State,  none  of 
which  had  assets  to  the  amount  of  the  New- 
York  Life's  income.  The  interest  receipts 
of  the  New- York  Life  were  greater  than  the 
assets  of  any  one  of  five  that  could  be  named. 
Of  the  six  millions  and  more  of  premium 
receipts,  only  the  comparatively  trifling  sum  of 
$34,228.23  remained  in  the  hands  of  agents  at 
the  end  of  the  year.  The  receipts  from  inter- 
est, rents,  etc.  amounted  to  over  five  and  a 
half  per  cent,  on  the  average  assets,  and,  at  the 
end  of  the  year,  the  amount  accrued  and  unpaid 
—  part  of  it  not  yet  due  — was  less  than  one  per 
cent,  on  the  Company's  investments.  Such  an 
interest  rate  and  such  promptness  in  payment 
can  only  result  from  investments  of  an  unu- 
sually high  character ;  and  the  picture  of  solid 
worth  and  prosperity  is  rounded  out  to  com- 
pleteness when  we  remark  that  the  market 
value  of  the  Company's  bonds  and  stocks  was 
nearly  two  million  dollars  in  excess  of  their 
cost. 

The  payments  to  policy-holders  were  in 
keeping  with  the  foregoing ;  nearly  two  mill- 


ion dollars  in  death-claims,  over  half  a  million 
in  endowments,  and  over  two  millions  in 
annuities,  dividends,  and  surrender  values, 
making  a  grand  total  of  four  and  one-half  mill- 
ion dollars,  lacking  $108.76.  The  payments 
in  death-claims  and  endowments  alone  aver-  , 
aged  over  seven  thousand  dollars  for  every  ! 
working  day  in  the  year,  and  the  number  of 
claims  settled  was  about  nine  hundred.  Every 
day  some  household  that  death  had  darkened 
was  made  brighter  by  the  timely  proceeds  of 
a  life  policy,  and  some  other,  that  death  had 
spared,  was  enriched  with  the  proceeds  of  an 
endowment  policy  that  had  been  a  protection 
and  a  comfort  during  all  the  years  of  its 
existence.  The  cash  cost  of  the  policies  paid 
as  deatlr-claims  was  over  a  million  dollars  less 
than  the  amount  received  by  the  assured. 

But,  meanwhile,  running  policies  increased 
in  value,  and  more  money  must  be  on  hand  to 
provide  for  their  ultimate  payment.  How  did 
the  Company  stand  in  respect  to  its  liabilities  ? 
Assuming  that  it  would  receive  in  future  only 
four  per  cent,  on  its  investments,  providing  in 
full  for  all  liabilities,  and  assuming  a  death-rate 
greater  than  that  previously  experienced,  and 
greater  than  assumed  by  the  State  in  valuing 
its  policies,  and  the  Company's  surplus  was 
$4,295,096.99.  Surplus  is  the  key-stone  that 
supports  the  arch  of  a  life-insurance  struct- 
ure, but  this  depends  on  the  principle  by 
which  liabilities  are  computed,  which  is  often 
lost  sight  of.  According  to  the  mortality  table 
used  by  the  Massachusetts  Insurance  Depart- 
ment, the  surplus  of  the  New-York  Life  is, 
on  a  four  per  cent,  reserve,  $809,498. 79  more 
than  the  amount  given  above,  and  if  four  and 
a  half  per  cent,  interest  (the  legal  standard  in 
this  State)  be  assumed,  the  Company's  surplus 
is  $9,252,567.35.  With  securities  of  the  high- 
est order,  and  such  a  surplus  upon  conserv- 
ative estimates,  it  would  be  difficult  to  imagine 
anything  more  secure  than  a  policy  in  the 
New- York  Life. 

She  doeth  little  kindnesses, 

Which  most  leave  undone,  or  despise: 

For  naught  that  sets  one  heart  at  ease, 

And  giveth  happiness  or  peace, 

Is  low  esteemed  in  her  eyes. 

— J.  R.  Lowell:  "  My  Love." 


THE  NEW-YO 


LIFE    INSURANCE  AND 
MORTGAGES. 

IT  is  hardly  too  much  to  say  that  no  man 
whose  property  is  mortgaged  ought  to  rest 
easy  until  his  life  is  insured  for  an  amount  suf- 
ficient to  pay  the  incumbrance.  In  most  cases 
the  mortgage  represents  no  more  —  usually 
much  less — than  the  man  expects  to  earn  and 
save  before  he  dies.  He  buys  a  house  in  the 
city  for  a  residence,  or  a  farm  in  the  country, 
with  —  as  he  supposes  —  much  of  life  yet  before 
him.  It  does  not  trouble  him  that  he  cannot 
pay  for  it  in  cash.  It  gives  zest  to  labor  to  be 
working  for  an  end.  He  is  rearing  a  family 
and  providing  a  home.  His  house  or  his  farm 
may  be  mortgaged,  but  he  is  paying  it  off  in 
installments,  or  saving  money  to  pay  it  all  at 
once.  He  intends  his  family  shall  have  at 
least  so  much  that  they  can  call  their  own. 

But  suppose,  in  the  midst  of  his  planning 
and  working,  the  man  dies.  The  income  of 
the  family  is  largely  diminished,  or,  perhaps, 
ceases  entirely.  Now,  if  the  home  were  paid 
for,  or  the  farm  were  free  from  incumbrance, 
there  would  be  a  base  to  work  from  and  a 
hope  for  the  future.  But  with  a  mortgage 
hanging  like  a  mill-stone  upon  a  family,  be- 
reaved of  its  chief  worker,  what  can  be  done  ? 
The  interest  must  be  paid.  Perhaps  a  part  of 
the  principal  is  also  due.  The  family  cannot 
carry  the  burden.  They  must  sell,  or  be  sold 
out  at  sheriff-sale.  Their  equity  in  the  prop- 
erty is  the  savings  of  years,  but  how  little  is 
realized  from  real  estate  sales  that  must  be 
made  /  The  home  or  the  homestead  is  gone, 
and  there  is  but  little  left,  and  the  question 
presses  daily  and  hourly,  What  shall  the  mother 
and  children  do  for  a  living  ? 

How  different  the  result  where  a  man  car- 
ries enough  insurance  to  pay  off  his  mortgages ! 
His  life  ceases,  but  the  work  he  expected  to  do 
goes  on.  He  has  secured  his  family  against 
the  total  loss  of  this  money-producing  power, 
by  insuring  his  life.  With  the  proceeds  of  his 
policy  the  mortgage  is  paid,  and  the  home  he 
expected  to  earn  for  his  family  is  theirs.  So 
much  is  secure,  and  with  this  to  stand  upon,  the 
future  is  not  altogether  dark. 

The  cost  of  insurance  is  not  so  great  that  it 


RK     ALMANAC.  43 


ought  to  be  a  bar  to  securing  a  protection  so  com- 
I  plete.  Better  buy  a  cheaper  house  or  a  smaller 
'  farm,  if  necessary,  and  make  sure  of  it.  The 
rate  of  interest  has  recently  been  reduced  in 
this  State  —  a  mortgage  is  not  so  expensive  as 
formerly  by  one  per  cent.  Add  two  or  three 
more  per  cent,  to  this,  according  to  your  age, 
and  you  have  enough  to  insure  your  life  for 
the  face  of  the  mortgage.  Then,  instead  of 
paying  six  per  cent,  interest,  and  running  the 
risk  of  losing  all,  you  pay,  say  ten,  and  keep 
up  an  endowment  policy  that  will 
guard  your  investment,  and  by  and  by 
lift  the  mortgage.  How  can  a  man  make 
himself  and  his  family  secure  so  easily,  and 
pay  off  his  mortgage  besides  ? 

AX  OBJECTION   TO  INS1TR- 
ANCE  CONSIDERED. 

THE  objection  is  sometimes  made  to  life- 
insurance  that  it  is  a  distrust  of  Provi- 
dence, and  occasionally  one  of  the  best  of 
women  will  object  to  her  husband  carrying  a 
life  policy.  We  confess  to  a  very  tender  feel- 
ing toward  such,  for  it  is  a  good  thing  when  a 
woman  has  respect  for  trust  in  Providence, 
and  if  she  were  selfish  and  unloving,  she 
would  not  be  troubled  about  the  receipt  of 
money  on  a  husband's  life  policy.  But  we 
believe  —  nay,  we  are  sure — the  objection 
springs  from  an  imperfect  consideration  of  the 
principle  of  life  insurance;  let  us,  therefore, 
consider  the  matter  a  little  in  detail. 

Planting  and  sowing  and  laboring  for 
future  gains  are  not  usually  considered  as 
implying  distrust  in  Providence.  Indeed,  the 
good  Book  is  full  of  precepts  which  enjoin 
the  duty  of  industry  and  self-denial,  with  the 
expectation  of  future  rewards,  both  of  a 
temporal  and  spiritual  nature.  In  short,  it  is 
the  order  of  Providence  to  labor  in  faith, 
and  expect  the  reward  of  labor  by  and  by. 
Unnecessary  worry  and  anxiety  about  the 
future  are  forbidden,  but  reasonable  prudence 
and  forethought  are  commanded.  Surely 
man  may  be  allowed  to  do  by  the  exercise  of 
his  reason  what  animals  do  in  pursuance  oi 
an  inborn  instinct — viz.,  make  provision  for 
the  future. 


4  l 


THE  NEW-YO 


RK  ALMANAC. 


But  it  is  said  that  life  is  in  the  hands  of 
God,  and  therefore  not  to  be  made  the  basis 
of  a  business  contract.  No  more  than  every- 
thing else  is  in  the  hands  of  God,  for  are  we 
not  told  that,  even  in  the  matter  of  buying  and 
selling,  and  getting  gain,  we  arc  to  say,  "  if  the 
Lord  will  "  ?  If  we  look  at  the  principle  of 
life  insurance,  we  shall  also  see  that  it  fulfills, 
in  a  literal  sense,  the  Scriptural  injunction  to 
"  bear  one  another's  burdens."  A  man's  risk 
of  death  is  a  burden  that  may  crush  his  family, 
therefore  he  should  bear  it  by  paying  for  it. 
If  it  is  right  to  bear  the  burdens  of  others, 
surely  it  cannot  be  wrong  for  them  to  permit 
their  burdens  to  be  borne.  Yet  that  is  just 
what  one  practically  does  who  refuses  the 
benefits  of  life  insurance. 

There  is  another  sense  in  which  it  is  a 
woman's  duty  to  encourage  life  insurance:  her 
children  need  its  protection.  We  feel  sure  no 
stronger  appeal  can  be  made  to  a  mother's 
heart  than  that  which  relates  to  the  good  of 
her  children.  It  may  be  that  she  would  pre- 
fer poverty  for  herself  rather  than  live  com- 
fortably on  the  proceeds  of  a  life  policy:  but 
she  has  no  right  to  make  such  a  hard  choice 
for  her  children.  That  would  not  be  bearing 
their  burdens,  but  compelling  them  to  bear 
hers.  So,  if  any  wife  and  mother  feels  it  to  be 
a  sacrifice  on  her  part  to  consent  to  her  hus- 
band being  insured,  let  her  consider  for  whose 
sake  she  makes  it,  and  whether  it  is  not  a 
duty. 

It  is  surprising  how  events  —  especially 
death  —  change  one's  feelings.  After  the 
death  of  a  husband,  the  wife  is  apt  to  reproach 
herself  that  she  ever  opposed  his  wishes, 
especially  if  she  sees  that  they  were  wise 
and  good.  And,  while  she  may  bear  patiently 
any  hardship  that  her  mistaken  judgment 
brings  upon  herself,  if  it  touch  her  children 
and  his  children,  the  thought  of  what  is,  and  of 
what  might  have  been,  will  be  full  of  bitterness. 
Many  a  woman  sits  down  in  sorrow  and  in 
poverty,  and  bewails  an  irretrievable  mistake, 
in  this  matter  of  life  insurance,  as  bitterly  as 
Esau  bewailed  the  loss  of  his  birthright.  Let 
what  has  been  be  a  warning,  nor  vainly  im- 
agine that  we  shall  be  specially  rewarded  for 
what  we  mistakenly  call  trust  in  Providence. 


THIRTY-SIX  ITEAB8'  WORK. 

WHEN  the  New- York  Life  Insurance 
Comtany  began  business  in  1845,  life 
insurance  in  this  country  had  not  passed  be- 
yond the  experimental  stage.  True,  the  prin- 
ciples that  underlie  it  are  unchangeable,  and 
the  system  is  founded  upon  the  most  absolute 
mathematical  computations ;  but  to  adapt  the 
system  to  the  wants  of  men,  to  lead  them  to 
accept  it,  and  to  make  it  a  practical  power 
in  their  life-work  —  this  had  all  to  be  done. 
Prejudice  was  largely  against  it,  so  was  selfish 
self-interest.  Public  opinion  had  to  be  concil- 
iated and  educated,  and  practical  methods  of 
administration  sought  out  and  put  in  practice, 
and  beneficent  results  shown,  before  life  insur- 
ance could  make  much  headway.  It  is  no 
wonder,  therefore,  that  the  New-York  Life 
grew  slowly  during  the  first  years  of  its  ex- 
istence ;  the  greater  wonder  is  that  it  grew  at 
all. 

During  the  first  ten  years  of  the  Company's 
existence  it  issued  10,215  policies,  insuring 
$20,794,051,  and  received  $1,954,442.82  in  pre- 
miums, and  $375,171.13  in  interest.  It  paid  in 
death-claims  $757,398.09,  and  to  policy-hold- 
ers in  other  ways  —  chiefly  dividends  —  $373,- 
105.78.  The  number  of  policies  and  amount 
of  insurance  issued  during  this  time  scarcely 
surpasses  the  work  of  one  of  the  Company's 
later  years,  while  the  amounts  received  and 
disbursed  are  very  much  smaller  than  the 
sums  now  handled  every  six  months.  But  a 
beginning  had  been  made ;  ground  to  stand  on 
had  been  secured  ;  the  good  fruits  of  the  sys- 
tem were  already  demonstrating  what  sort  of 
a  tree  they  grew  upon.  The  Company  had 
started  right  —  as  a  purely  mutual  organiza- 
tion, in  which  all  policy-holders  had  equal 
rights,  and  no  one  else  had  any.  It  was  con- 
stituted of  policy-holders,  by  policy-holders, 
and  for  policy-holders,  and  it  served  their  pur- 
pose, and  served  it  well. 

The  second  decade  showed  a  great  advance, 
both  in  business  done  and  in  methods  of  ad- 
ministration. Over  18,000  policies  were  issued, 
insuring  over  $50,000,000;   over  $6,000,000 
;  was  received  in  premiums,  and  nearly  $1,000,- 
I  000  in  interest.   The  payments  in  death-claims 


THE  NEW-YO 


exceeded  $2,000,000,  and  other  payments  to 
policy-holders  were  over  $1,100,000.  It  was 
during  this  period— in  i860  —  that  the  New- 
York  Life  originated  and  introduced  its  Ten- 
Payment  Life  non-forfeiture  policy  —  the  first 
step  in  making  all  policies  non- forfeitable. 
The  importance  of  this  feature  will  be  seen  in 
some  degree,  when  we  state  that,  during  the 
last  ten  years,  policy-holders  in  American 
companies  have  received  for  surrendered  pol- 
icies over  one  hundred  and  fifty  million 
dollars.  The  principle  has  finally  been  em- 
bodied in  the  statutes  of  the  State,  though 
the  provisions  of  the  law  are  not  so  favorable 
to  policy-holders  as  has  long  been  the  custom 
of  the  New- York  Life. 

Twenty  years  of  pioneer  work  had  prepared 
the  Company  for  the  opportunities  and  for 
the  dangers  of  the  period  of  inflated  business 
and  values  immediately  following  the  close  of 
the  war.  During  the  next  five  years  more 
insurance  was  issued  than  during  the  preceding 
twenty ;  premium  receipts  averaged  over  three 
million  dollars  per  year;  nearly  $1,500,000  per 
year  was  returned  to  policy-holders,  and  the 
invested  assets  mounted  up  at  a  still  higher 
rate.  The  next  five  years  saw  an  increase  over 
the  preceding,  the  premium  receipts  being 
nearly  doubled,  and  the  interest  receipts  and 
payments  to  policy-holders  more  than  doubled. 
This  period  closed  with  1874,  and  in  it  occur- 
red the  great  financial  crisis  of  1873,  fr°m 
which  many  life  companies  date  their  decline, 
and  some  their  fall.  The  income  of  life  compa- 
nies doing  business  in  this  State  fell  off  be- 
tween 1873  and  1881  over  thirty-six  per  cent., 
and  the  insurance  in  force  over  twenty-five  per 
cent.  The  New- York  Life,  on  the  contrary, 
shows  an  increase  in  both  items  —  which  is 
true  of  no  other  prominent  company — the 
increase  in  income  being  about  seventeen  per 
cent.,  and  the  increase  in  insurance  in  force 
about  ten  per  cent. 

The  six  years  ending  January  1,  1881,  were 
years  of  marvelous  growth  and  prosperity 
to  the  New- York  Life,  notwithstanding  the 
depreciation  of  values  which,  with  all  life  com- 
panies, tested  to  the  utmost  the  character  of 
investments  made  during  the  period  of  infla- 
tion.   The  income  of  the  Company  and  its  dis- 


RK     ALMANAC.  45 


bursements  to  policy-holders  were  larger  than 
ever,  and  the  tenacity  with  which  it  held  and 
increased  its  business  has  already  been  shown. 
Interest  receipts  largely  exceeded  the  losses 
by  death,  and  the  accrued  and  unpaid  interest 
has  never  amounted  to  one  per  cent,  on  in- 
vestments. The  assets  have  gone  on  increas- 
ing at  the  rate  of  over  two  million  dollars  per 
year,  and  surplus  in  proportion.  The  progress 
made  by  the  Company  in  1880  was  remarkable. 
Its  income  was  the  largest  in  its  history,*  the 
increase  in  assets  and  surplus  greatest,  the 
excess  of  income  over  expenditures  the  largest 
of  any  life  company  in  the  country. 

For  a  brief  summary  of  the  Company's  work, 
during  the  thirty-six  years  ending  January  I, 
1 88 1,  see  totals,  etc.,  page  48. 

The  endowment  policy  is  specially  desirable, 
because,  among  other  things,  all  the  family 
have  an  equal  interest  in  it.  It  is  a  grand 
testimony  to  the  unselfishness  of  husbands 
and  fathers  that  they  put  so  much  money  into 
ordinary  life  policies,  from  which  they  can 
never  hope  to  derive  any  benefit  except  the 
satisfaction  of  having  provided  for  loved  ones. 
Many  a  woman  who  sheds  tears  over  a  life 
policy  when  it  is  first  taken,  or  who  objects  to 
its  being  taken  at  all,  would  see  in  an  endow- 
ment policy  something  the  results  of  which 
her  husband  might,  perad venture,  share  with 
her,  and  so  the  sling  of  painful  suggestion 
would  be  removed.  By  linking  the  present 
weakness  of  wife  and  children  with  the  far- 
away weakness  of  the  husband  and  father,  the 
endowment  policy  provides  for  both,  and  gives 
to  each  the  privilege  of  laboring  and  saving  for 
what  may  be  a  blessing  to  the  other. 

Whene'er  a  noble  deed  is  wrought, 
Whene'er  is  spoken  a  noble  thought, 

Our  hearts,  in  glad  surprise, 

To  higher  levels  rise. 

The  tidal  wave  of  deeper  souls 
Into  our  inmost  being  rolls, 

And  lifts  us  unawares 

Out  of  all  meaner  cares. 
— H.  W.  Longfellow:  "  Santa  Filomena." 

*  The  Almanac  goes  to  press  too  soon  to  take  account 
of  the  business  of  1881. 


16 


THE  NEW-YO 


R  K      ALM  AN  AC. 


TAKTW;    BACK  A  PRESENT. 

"TVTY  watch  needs  cleaning,  George,"  said 
1VJL  Mrs.  Walters,  as  her  husband  rose 
from  the  breakfast-table.  "  I  wish  you  would 
leave  it  at  the  jeweler's  this  morning  as  you  go 
to  town." 

"  What,  out  of  repair  again  !  "  said  George, 
as  he  lit  his  cigar.  "  Upon  my  word,  that 
watch  needs  the  most  cleaning  and  repairing 
of  any  time-piece  I  ever  saw.  What  ails  it  ? 
I  think  I'll  give  Harris  a  blowing  up." 

"  Why,  my  dear,  it  hasn't  been  cleaned  in  a 
year  and  a  half.  I  broke  the  spring  last  win- 
ter by  winding  it  too  tight,  but  I  have  had  it 
now  five  years,  and  it  has  only  been  cleaned 
three  times.  I  thought,  if  we  went  to  the 
country  next  month,  I  would  like  to  have  it 
reliable.  If  a  watch  doesn't  keep  good  time, 
it  looks  as  if  one  wore  it  simply  for  show." 

"  That  reminds  me,  Mrs.  W.,  of  what  I  have 
been  thinking  about  for  a  week  past  —  where, 
oh !  where  is  the  money  coming  from  with 
which  to  go  to  the  country  ?  Business  dull, 
expenses  heavy,  bank  account  low  —  that's 
about  the  English  of  the  situation.  Can't  see 
a  spare  hundred  dollars  anywhere." 

"  Well,  then,  we'll  stay  at  home,  of  course,  if 
we  can't  afford  it.  I  didn't  know  as  we  were 
poorer  than  usual.  Have  you  had  any  special 
losses  lately  ?  " 

"Yes — or  no,  I  haven't,  either;  that  is, 
none  in  regular  business;  but  some  outside 
matters  haven't  turned  out  as  well  as  I  ex- 
pected. But  I'll  see.  Perhaps  we  can  get 
away  for  a  few  days,  anyhow." 

"  Will  you  take  the  watch  ?  "  said  Mrs. 
Walters,  as  George  put  on  his  hat. 

"  Don't  think  I'd  better;  if  we  go  away,  we 
shall  be  obliged  to  economize  wherever  we 
can.  This  is  Monday  morning —  a  good  time 
to  begin." 

"  I  happened  to  meet  Harris  to-day,"  said 
Mr.  Walters,  on  his  return  from  business, 
"  and  mentioned  the  watch,  and  what  do  you 
suppose  he  said  ?  " 

"  I  can't  imagine,  I'm  sure,"  said  his  wife. 
"  I  presume  he  told  you,  just  as  I  did,  that  it 
had  not  been  cleaned  for  some  time." 


"  Yes ;  and  he  said  something  more,  and 
more  important.  He  says  if  I  am  dissatisfied 
with  the  watch,  he  will  give  me  $100  cash  for 
it  — and  it  only  cost  $125,  you  know,  and  you 
have  had  it  five  years." 

"  Why,  George,  you  wouldn't  want  me  to 
sell  it,  would  you  ?  It  is  as  good  a  watch  as 
I  want,  in  every  respect,  and  your  present, 
too  !  " 

"  Oh,  of  course,  I  don't  want  you  to  sell  it 
if  you  don't  want  to;  but  I  thought  —  well  — 
never  mind  —  nothing." 

"  What  did  you  think,  dear  ?  Come,  I  must 
know.  Are  you  really  so  hard  pressed  for 
money?  You  must  tell  me,  or  I  shall  think  it 
worse  than  it  really  is." 

"  Oh,  it's  nothing  ;  I  can  get  along  as  far  as 
business  is  concerned,  but  the  vacation  is  what 
bothers  me.  We  both  need  it,  and  I  thought 
when  Harris  offered  to  buy  the  watch  that,  if 
you  were  willing,  you  might  let  him  have  it, 
and  I  would  get  you  another  next  winter, 
when  business  gets  better." 

Mrs.  Walters  glanced  at  her  husband's  care- 
worn face,  and  the  struggle  was  over. 

"  It  shall  be  so,"  she  said.  "  I  can  do  with- 
out the  watch  better  than  you  can  do  without 
a  vacation." 

"  I  feel  mighty  mean  about  it,  though,  the 
more  I  think  of  it,  wife.  It  seems  like  mak- 
ing a  present  and  then  taking  it  back." 

"Never  mind,"  said  his  wife,  gayly;  "we'll 
enjoy  our  vacation,  and  when  our  ship  comes 
in  I'll  have  a  new  watch." 

Not  just  the  thing,  was  it,  reader,  for  a  man 
who  smokes  and  loses  money  in  "  outside  vent- 
ures "  ?  looks  a  little  mean.  There's  some- 
thing about  taking  back  a  present  once  made, 
under  any  circumstances  less  than  necessity, 
that  a  sensitive  man  shrinks  from.  Suppose  it 
had  been  a  life  policy  /  A  life  policy  is  a  present 
to  wife  and  children,  when  first  taken,  and  con- 
sists of  money  already  paid,  and  an  agreement 
to  pay  other  regular  sums  until  maturity.  To 
drop  it,  or  sell  it  with  the  wife's  consent,  is  to 
take  back  the  present.  It  doesn't  matter  much 
whether  a  wife  has  a  gold  watch  or  not ;  it  may 
be  a  matter  of  the  very  greatest  importance 
whether  her  husband's  life  is  insured  or  not. 


THE     NEW-YORK     ALMANAC.  47 


GUARANTEES   OFFERED  TO 
INTENDING  INSURERS 

BY  THE 

NEW- YORK  EIFE  INSUR- 
ANCE COMPANY. 

IT  is  an  old  Company,  and  is  thoroughly 
established  in  public  confidence,  thor- 
oughly organized,  and  conducted  upon  methods 
that  have  stood  the  test  of  Experience. 

2.  It  is  a  large  and  strong  Company.  It  had 
over  forty-eight  thousand  policy-holders,  Jan- 
uary I,  1881,  and  assets  to  the  amount  of  over 
forty-three  million  dollars.  By  the  standard 
of  the  State,  it  had  $127.39  in  assets  for  every 
$100  of  liabilities. 

3.  It  is  a  purely  mutual  Company,  with  no 
capital  stock,  and  no  stockholders  to  share  its 
surplus  or  interfere  with  its  management  to  the 
detriment  of  policy-holders,  to  whom  the  Com- 
pany belongs  and  in  whose  interest  it  is  ex- 
clusively managed.  It  furnishes  insurance  at 
current  cost,  with  absolute  security. 

4.  It  is  a  liberal  and  progressive  Company. 
It  originated  and  introduced  the  non-forfeiture 
system  of  policies,  under  which,  in  the  year 
1880  alone,  nearly  nine  million  dollars  was 
paid  for  surrendered  policies  by  life  companies 
in  the  United  States.  It  anticipated  the  New- 
York  State  law  on  this  subject,  in  time,  by 
over  nineteen  years,  and  in  liberality  to  the  in- 
sured, by  giving  more  paid-up  insurance  than 
the  law  requires. 

5.  It  is  prudent  as  well  as  liberal;  it  calcu- 
lates its  reserve  fund  on  the  supposition  that  it 
will  be  able  to  realize  only  four  per  cent,  inter- 
est, and  thus  keeps  this  fund  much  larger  than 
is  required  by  the  law.  Hence  no  unusual 
losses,  or  panic,  or  business  depression  can  so 
reduce  its  surplus  as  seriously  to  embarrass 
the  Company. 

6.  It  is  a  solid  and  vigorous  Company. 
Since  the  panic  of  1873,  it  has  held  its  business 
better  than  any  other  prominent  life  company. 
No  other  such  company  in  the  country  had, 
during  18S0,  both  a  larger  income  and  a  larger 
amount  of  insurance  in  force  than  in  1873. 
The  increase  in  the  case  of  the  New-York 


Life  was  over  nine  per  cent,  of  insurance  in 
force,  and  over  sixteen  per  cent,  of  income. 

7.  It  has  not  only  held  its  own  at  the  most 
sensitive  points,  but  has  been  rapidly  growing 
in  the  elements  of  strength  and  permanence. 
During  the  last  ten  years,  notwithstanding  the 

,  panic,  the  increase  in  assets  and  in  interest 
income  has  been  nearly  three-fold,  and  the 
increase  in  surplus  more  than  four-fold. 

8.  It  has  been  a  profitable  Company  to  pol- 
icy-holders. Of  the  ninety-one  million  dollars 
received  from  them,  the  Company  has  returned 
to  them  and  their  families  over  twenty-two 
millions  in  death-claims,  and  over  thirty-four 
millions  in  endowments,  annuities,  dividends, 

I  and  surrender  values.  The  amount  of  its 
present  assets,  plus  its  payments  to  pol- 
icy-holders and  their  families,  exceeds 
the  sum  received  from  them  by  nearly 
eight  million  dollars. 

9.  Its  report  for  the  year  ending  January 
I  1st,  1881,  shows  almost  unparalleled  prosperi- 
ty—  a  large  increase  in  assets  ;  a  large  increase 
in  surplus  ;  a  large  increase  in  premium  re- 
ceipts ;  a  large  increase  in  interest  receipts ;  a 
large  increase  in  policies  and  insurance,  issued 
and  in  force ;  and  a  greater  excess  of 
income  over  expenditure  than  any 
other  life  company  in  the  country. 

10.  Its  securities  are  of  the  highest  order. 
It  had  the  lowest  ratio  of  uncollected  interest, 

)  January  1, 1881  (only  about  eight-tenths  of  one 
per  cent. ),  of  any  prominent  life  company,  and 
:  in  striking  contrast  with  some. 

11.  It  is  a  fair-dealing  Company.   Its  poli- 
!  cies  are  notable  for  their  freedom  from  vex- 
>  atious  restrictions  ;  the  customs  of  the  Com- 
pany with  respect  to  payments  of  premiums, 
etc.,  are  plainly  stated,  and  efforts  are  made  to 

1  encourage  and  to  enable  every  honest  policy- 
!  holder  to  keep  up  his  policy.  In  the  settlement 
of  claims  by  death  the  greatest  liberality  con- 
;  sistent  with  justice  is  shown,  as  the  grateful 
acknowledgments  of  hundreds  of  beneficiaries 
prove.  By  its  liberal  construction  of  the  policy 
contract,  in  cases  that  might  have  been  resisted 
on  technical  grounds,  it  has  gained  the  reputa- 
tion of  being 
"A  NON-CONTESTING  COMPANY." 


48 


THE      NEW-YORK  ALMANAC. 


THE  FOLLOWING  TABLE  SHOWS  THE 

Progkress  of  the  New- York  Life  Ins.  Co. 

IN  THK 

Amount  of  Insurance  Effected,  the  Income  of  the  Company,  the  Sums  paid  to  Policy-holders  and  their  Families,  and 
in  the  Sums  Held  and  Invested  for  the  Benefit  of  Living  Policy-holders,  during  a  period  of  Thirty-six  years. 


Period, 
Dates  Inclusive. 

No.  of  Policies 
Issued. 

Amount  Insured. 

Premiums  Received. 

Received  from 
Interest,  etc. 

1845  to  1850,  6  yrs.  . 
1 85 1  to  1856,  6  yrs.  . 
1857  to  1862,  6  yrs. . 
1 003  to  I0O0,  0  yrs.  . 

ift^n  f  r\  1  C  -7  >i    f\  vrc 

iojy  iu  10/4,  u  yr>> .  . 
\.oi*2        oou,  0  yrs.  . 

6,522 
4-893 
7,749 
37,7»o 
54,548 
37,692 

$11,652,749 
12,991,712 
22,258,047 
116,990,083 
IDI,737,478 
117,461,078 

$670,207.73 
1,953,102.82 
3,027,735-56 
H,33O,708.37 
35,744,623.98 
36,154,976.49 

$29,432.65 
263,247.53 

6 1 7,689 . 64 
2,093,800.61 
6,953,369-JO 
11,945,269.43 

Totals  

149,184 

$443»09I,I47 

$91,881,354.95 

$21,902,808.96 

Period, 
Dates  Inclusive. 

Paid  to  Policy-holders  in  — 

Average  Annual 
Increase  of 
Assets  in  each 
Period. 

Death-claims. 

Dividends  and  Ret'd 
Premiums  on 
Canceled  Policies 

Endowments  and 
Annuities. 

1845  to  1850,  6  yrs. . 
1851  to  1856,  6  yrs.  . 
1857  to  1862,  6  yrs.  . 
1863  to  1868,  6  yrs.. 
1869  to  1874,  6  yrs.  . 
1875  to  1880,  6  yrs.  . 

$188,583.62 
881,079.32 
I,IOO,78f  .OI 
2,884,734.03 
7,680,254.22 
9,699,842.84 

$2,974.67 
171,416.61 

541,973  95 
2,951,962.51 
12,947,575.25 
13,681.382.24 

$3,569-84 
12,993.87 
138,105  .84 
3,489,524.06 

$3,644,193.61 

$59,126 
139,465 
232450 
1,402,429 
2,724,641 
2,639,211 

Totals  

$22,435,275.04 

$30,297,285.23 

As  this  tnble  is  made  up  before  the  close  of  life,  it  dees  not  include  the  figures  of  that  year.  At  the  beginning 
of  1881  the  Company's  account  with  policy-holders  stood  as  follows: 

Received  from  policy-holders  in  premiums   $91,881,354.95 

Paid  to  policy-holders  and  their  representatives,  as  above  $56,376,753.88 

Assets  held  in  trust  for  policy-holders,  January  I,  1881   43,183,934.81 

Total  amount  paid  policy-holders  and  now  held  in  trust  for  them.  .  99,560,688.69 


The  following  tables  show,  in  brief,  the  Compauy's  condition  at  the  beginning  of  1881,  and  the  progress  made 
during  the  preceding  year. 


CONDITION  JAN.  1,  1881. 

Cash  Assets   $43,183,934. 81 

•Divisible  Surplus  (Co's  standard)  4,205,096.99 
tTontine        "  "  "  1,752,165.82 

Total  Surplus  at  4  per  cent.  $6,047,232.81 

Surplus  by  State  Standard  9,252,567-35 

Policies  in  Force  48,548 

Insurance  in  Force  $135,720,916 

*  Exclusive  of  the  amount  specially  reserved  as  a  contingent 
liability  to  Tontine  Dividend  Fund. 

t  Over  and  above  a  4  per  cent,  reserve  on  existing  policies  of 
that  class. 


PROGRESS  IN  1880. 


Increase  in  Premiums   $643,794.41 

Increase  in  Interest  and  Rents   284,233.84 

Increase  in  Assets  4,180,982.15 

Increase  in  Divisible  Surplus   1,174,725.51 

Increase  in  Tontine  Surplus   380,683. C4 

Increase  in  Policies  issued  (over  1879)  1,422 

Increase  in  Insurance  issued     "  $5,131:806 

Increase  in  Policies  in  Force  2,843 

Increase  in  Insurance  in  Fcrcc  $8,309,153 

Excess  of  Income  over  Expendit's,  3, 1 58,689 , 1 7 
Excess  of  Int'st  over  Death-losses,  586,167.47 


During-  the  last  twenty  years  the  interest  received  by  the  Company  on  its  invest- 
ments has  more  than  paid  its  death-losses.  At  the  beginning  of  1881  the  amount  ot  intcrest  uncollected, 
including  that  accrued  but  not  yet  due,  was  less  than  one  per  cent,  on  the  investments  of  the  Company  —  this 
promptness  in  payment  of  interest  showing  the  high  character  of  these  investments.  These  features  of  its  business  have 
been  wide*ly  noticed  by  the  press  as  evidences  of  extraordinary  prosperity,  and  of  great  skill  and  energy  in  management. 


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and  the  best  farm  and  garden  methods.  All  new  plants 
and  seeds  adapted  to  the  climate  are  tested  as  soon  as 
announced  in  this  country  or  in  Europe,  and  their  value 
impartially  reported  upon.  In  such  reports  the  readers 
of  the  RURAL  NEW-YORKER  have  before  them  a 
trustworthy  guide  as  to  what  seeds  or  plants  are  worthy 
of  trial.  Over 

500  Original  ENGRAVINGS  Yearly 

of  all  kinds  of  Fruits,  Farm  Animals,  the  choicest  of  our 
Ornamental  Trees  and  Shrubs,  of  Country  Dwellings, 
etc.    For  the 

NORTH,  SOUTH,  EAST,  &  WEST. 

A  complete  National  Journal  of  Rural  Affairs,  truth, 
progress,  the  real  interests  of  the  land  and  of  those  who 
cultivate  it ;  the  dissemination  of  improved  seeds  and 
plants,  and  of  the  knowledge  how  best  to  cultivate  them  ; 
to  conduct  the  journal  so  that  it  may  have  a  just  claim 
upon  all  who  love  nature,  are  among  the  aims  of  the 
RURAL  NEW-YORKER. 

Farmers  and  gardeners — rural  people  of  any  and  every 
occupation— city  people  who  have  CONSERVATO- 
RIES or  GARDENS,  if  not  familiar  with  the  RURAL 
NEW-YORKER,  inquire  as  to  its  standing  and  influ- 
ence of  those  who  are,  and  subscribe  for  it  as  a  measure 
of  economy. 

A  $4.00  Paper  for  $2.00  per  Year. 

It  will  help  you  to  make  money  and  spend  it  judi- 
ciously. You  cannot  afford  to  do  without  it.  Send  for 
specimen  copies,  which  will  be  mailed  free.  Compare 
it  with  other  journals  and  subscribe  for  the  best. 

$2.00  PER  YEAR,  Post-paid. 


Trustworthy  Market  Reports  from  all  Centers 
A  Specialty. 

Special  Departments,  devoted  to  the  New  s  of  the  Week, 
to  Women,  to  Domestic  Economy,  to  Religious 
Matters,  Fashions,  Lit^ature. 

THE  RTJRAL'S 

Next  Seed  Distribution 

IS  BRIEFLY  AS  FOLLOWS: 

1st,  The  Rural  Heavy  Dent  Corn. 

The  heaviest  weight  of  kernel  and  ear.  One  hundred 
and  seventeen  bushels  of  shelled  corn  per  ac-e  on  50 
acres.    So  certified  to. 

2d,  Rural  Thoroughbred  Flint  Corn. 

Raised  in  the  Rural  family  for  26  consecutive  years. 
Longest  ears,  16  inches. 

3d,  Wysor's  Cross-bred  Fultzo-Clawson 
Wheat. 

The  largest  kernel  of  any  wheat  in  cultivation,  so 
claimed.    Hardy,  disease-resisting,  prolific. 

4th,  Surprise  Wheat. 

Four  kernels  in  a  breast.  Very  prolific  and  hardy.  At 
the  rate  of  72  bushels  per  acre  has  been  raised  on  small 
plots. 

5th,  Shumaker  Wheat. 

Early,  prolific,  and  hardy. 

6th,  Challenger  Lima  Beans. 

Seed  selected  through  three  generations.  Often  six  beans 
in  a  pod.    Double  the  yield  of  any  other  Lima. 

7th,  Perfection  Golden  Heartwell  Celery. 

Several  hearts  to  a  stalk. 

8th,  The  Perfect  Gem  Squash. 

A  marvel  of  productiveness.  Fine-grained,  sw  eet,  dry — 
combining  the  excellence  of  both  the  summer  and  winter 
squash. 

9th,  Rural  Chater  Hollyhock. 

A  perfection  flower.  Three  feet  of  brilliantly  colored 
rosettes — white,  lemon,  buff,  rose,  red,  crimson,  maroon, 
and  nearly  black. 

All  except  three  never  offered  for  sale. 

$2,000  worth  of  Valuable  Presents  from 
leading-  men  of  the  country  for  the  best  yields 
from  the  Rural  Dent  and  Thoroughbred  Corns,  and 
Wysor's  Fultzo-Clawson  Wheat. 

Address  RURAL  NEW-YORKER 

(for  specimen  copies,  which  will  be  sent  to  all  applicants 
free),  34  Park  Row,  N.  Y. 


PIONEER    SUNDAY    JOURNAL    OF  AMERICA. 


THE  SUNDAY  MERCURY. 

ESTABLISHED  1839. 

Pifty-Hix    C'olmiinis    of  h.jntovtainiiisr    Iioatlini;    flatter    W  <  *  <  *    ly  . 
for    Two    DollttFS    per  Annuin. 

THE  NEW-YORK  SUNDAY  MERCURY, 

Having  the  largest  circulation  of  any  Sunday  newspaper  in  America,  is  mailed  to  all  parts  of  the  world  for  Two 
Dollars  per  annum,  or  One  Dollar  and  Twenty-tne  cents  for  six  months,  payable  in  advance. 

WM.  CAULDWELL.  Proprietor,  No.  3  Park  Row,  New-York. 


Staten  Island  Fancy  Dyeing  Establishment 

Office,  5  <fe  7  JOHN  STREET,  NEW-YORK. 

BRANCH  OFFICES: 
1100  Broadway, near   :!>Hi  St.,  New-York.         17  North  Elffhtli  St.,  Philadelphia. 
879  Fulton  Street,  Brooklyn.  110  West  palthnore  *(.,  Baltimore. 

Dye.  Clean*  and  Beflalall  Dress  floods  and  (iarmcnK 

Ladies'  Dresses,  Cloaks,  Robes,  etc.,  of  al!  f'abricH,  and  of  the  most  elaboiate  styles,  cleaned  or  dyed 

successfully  without  ripping. 
Gentlemen's  Garments  Cleaned  or  Dyed  whole. 

Curtains,  Window  Shades,  Table  Covers,  Carpets,  etc.,  cleaned  or  dyed. 

Employing  the  best  attainable  skill  and  most  improved  appliances,  and  having  systematized  anew  every  depart- 
ment of  our  business,  we  can  confidently  promise  the  best  results  and  unusually  prompt  return  of  goods. 
Goods  received  and  returned  by  express  and  by  mail. 

BARRETT  NEPHEWS  &  CO.  5  &  7  John  St.  New- York. 


JM)uTi|cf)cs  IMfisfiftttt, 


1  CHAMBERS  STREET, 


New-York  City. 


The  onlyGerman  Catholic  Paper  published  in  New- YorkCity, 


AND 


ONE  OF  THE  BEST  ADVERTISING  MEDIUMS. 


Kinds  of  Policies  Issued  by  the  New-York  Life, 

And  the  Special  Advantages  of  Each, 


I.  Ordinary  Life  Policies. 

ON  an  Ordinary  Life  Policy,  a  certain  pre- 
mium is  to  be  paid  every  year  until  the 
death  of  the  insured,  when  the  policy  becomes 
payable  to  the  person  or  persons  named  in  the 
policy  as  the  beneficiary  or  beneficiaries. 

Special  Advantage. — This  kind  of  policy 
gives  more  insurance,  for  the  same  sum  of 
money  paid  annually,  than  any  other,  though 
it  may  be  necessary  to  continue  the  payments 
longer,  as  according  to  its  terms  the  payment 
of  the  premiums  annually  is  to  be  continued 
during  the  life-time  of  the  insured.  But  their 
sum  rarely  equals  the  face  of  the  policy. 

II.  Limited  Payment  Life  Policies. 

On  a  policy  of  this  kind,  premiums  are  paid 
annually  for  a  certain  number  of  years,  fixed 
upon  at  the  time  of  insuring,  or,  until  the 
death  of  the  insured,  should  that  occur  prior 
to  the  end  of  the  selected  period.  The  policy 
is  payable  on  the  death  of  the  insured,  when- 
ever that  may  occur. 

Special  Advantage. — The  payments  on  this 
class  of  policies  may  all  be  made  while  the 
insured  is  still  young,  or  in  active  business  ; 
then  if  he  lives  to  old  age  the  policy  is  not  a 
continual  expense,  but,  after  being  paid  up,  the 
dividends  continue  to  increase  the  amount 
assured,  or,  upon  application,  they  will  be 
paid  in  cash. 

III.  Endowment  Policies. 

An  Endowment  Policy  provides  ( I )  insurance 
during  a  stipulated  period,  payable,  like  that 
of  any  other  policy,  at  the  death  of  the  insured, 
should  he  die  within  the  period  ;  or  (2),  should 
the  insured  live  until  the  end  of  the  period, 
an  endowment,  of  the  same  amount  as  the 
policy,  payable  at  that  time  to  the  person 
insured.  The  premiums  may  be  paid  annually 
until  the  endowment  is  due,  or  they  may  be 
paid  up  in  a  shorter  time,  like  those  of  Limited 
Payment  Life  Policies. 

Special  Advantage. — The  Endowment  Pol- 
icy gives  the  insured  the  advantage  of  a  limited 


term  as  to  payment ;  provides  insurance  dur- 
ing the  period  in  which  his  death  would  cause 
most  embarrassment  to  his  family ;  and  if  he 
lives  to  the  stipulated  age,  the  amount  of  the 
policy  is  paid  to  him  at  a  time  when  he  may 
need  it. 

Dividends  and  Non- forfeiture  Featnres. 

Upon  these  three  classes  of  policies,  divi- 
dends are  declared  and  paid  annually,  begin- 
ning with  the  second  year,  if  the  policy  is  kept 
in  force.  Dividends  are  declared  by  the  New- 
York  Life  in  reversion — that  is,  a  certain 
amount  is  added  to  the  policy,  and  these  re- 
versions participate  in  future  dividends ;  or, 
upon  application,  before  a  premium  becomes 
due,  reversions  may  be  converted  into  cash  and 
used  in  payment  of  premiums,  thus  reducing 
the  cash  cost  of  the  policy.  These  policies 
are  also  by  their  terms  non-forfeitable ;  that  is 
to  say,  after  three  annual  premiums  have  been 
paid,  they  are  exchangeable  for  paid-up  policies 
of  proportionate  amount,  without  participation 
in  profits,  if  surrendered  in  accordance  with 
their  terms. 

IV.  Annuity  Policies. 

An  Annuity  Policy  secures  to  the  holder  the 
payment  of  a  certain  sum  of  money  every  year 
during  his  life-time.  It  is  secured  by  a  single 
cash  payment. 

Special  Advantage. — An  Annuity  Policy 
gives  to  a  man  who  has  a  certain  sum  of 
money  in  hand  the  opportunity  of  getting  the 
largest  possible  sum  from  it  annually  while  he 
lives,  without  the  risk  and  trouble  of  ordinary 
investments,  and  without  the  risk  of  being  left 
penniless  in  his  last  years. 

V.  Tontine  Investment  Policies. 

This  policy  combines  in  one  form  the  great- 
est number  of  advantages  obtainable  in  a  life 
insurance  policy. 

For  full  details,  conditions,  and  information, 
reference  is  made  to  the  pamphlets  on  this 
subject  published  by  the  Company. 


NEW-YORK  NEWS  PUBLISHING  CO. 

I'UKLISIIKRS  OF  THI 

Daily,  Weekly  &  Sunday  News 

AND 

'Ckkjo  and  Somttuij)    )l ad) vicl)tcn . 

New-York  Daily  News  Building,  No.  25  Park  Row. 


TO  ADVERTISERS. 

The  DAILY  NEWS  has  the  largest  circulation  of  any  daily  published  in  the  United  States. 
The  price  charged  for  advertisements  in  the  DAILY  NEWS  is  not  more,  and  in  some  cases  it 
is  less,  than  the  price  charged  by  journals  which  have  not  more  than  half  or  even  one-third  the 
circulation  of  the  NEWS.    Advertisements  inserted  in  all  editions  without  extra  charge. 

The  DAILY  NEWS  is  now  the  Cheapest  Advertising  Medium  in  existence. 

The  WEEKLY  NEWS  has  a  large  circulation  in  every  section  of  the  country.  Merchants, 
manufacturers,  patent-medicine  dealers,  and  all  classes  of  business  men,  will  find  its  columns  a 
very  valuable  medium  to  advertise  in. 

The  SUNDAY  NEWS  has  a  large  circulation  throughout  the  city  and  along  the  lines  of 
the  railroads  leading  from  the  city.  Advertisements  inserted  on  liberal  terms  —  at  lower  rates  than 
in  any  other  Sunday  paper  published,  when  circulation  is  taken  into  consideration. 

DIE  TAGES-NACHRICHTEN  has  the  largest  circulation  of  any  German  daily  news- 
paper published  in  the  world. 

DIE  SONNTAGS-NACHRICHTEN  has  the  largest  circulation  in  the  city  of  any 
German  Sunday  paper  issued. 

All  classes  of  merchants  and  dealers  who  are  seeking  for  German  trade  will  find  advertisements 
in  the  columns  of  the  Tages  and  Sonntags-Nachrichten  reach  a  larger  number  of  readers 
than  they  would  by  any  other  channel. 


THE  NEW-YORK 

Commercial  Advertiser. 

THE  OLDEST  PAPER   IN  THE  CITY. 

Established  1794. 

The  Largest  Circulation  of  any  3-cent  Evening  Journal, 

$9  per  Year ;  $4.50  for  Six  Months ;  75c.  for  One  Month. 

AN  EXTRA  COPY  FOR  EVERY  CLUB  OF  TEN. 

The  Commercial  Advertiser's  facilities  for  gathering  news,  both  domestic  and  foreign, 
cannot  be  surpassed.  The  transactions  of  the  Stock  Exchange,  Mining  Board,  Produce 
Exchange,  Cotton,  Grain,  Live  Slock,  and  Real  Estate  Markets  are  given  the  day  of  their  occur- 
rence, nearly  twelve  hours  in  advance  of  the  morning  papers. 

NO  PAINS  ARE  SPARED  TO  MAKE 

The  Commercial  Advertiser  a  Home  Newspaper. 

Address,  HUGH  J.  HASTINGS, 
p.  o.  box  304.  I26  Fulton  Street,  New- York  City. 

FRANK  LESLIE'S  PUBLISHING  HOUSE, 

53,  55,  and  57  Park  Place,  New-York. 
TERMS  TO  SUBSCRIBERS-POSTAGE  PAID. 


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Frank  Leslie's  Popular   Monthly,  Vols., 

bound  in  cloth,  with  ink  and  gold  stamp...  2.00 
Frank  Leslie's  Sunday  Magazine,  Vols., 

hound  in  cloth,  with  ink  and  gold  stamp. . .  2.00 


CLUB  TERMS-POSTAGE  PAID. 

Any  person  ordering  Jive  copies  of  either  publication  for  one  year  at full  rates  (to  be  sent  to  different 
addresses )  will  receive  an  extra  copy  to  his  address  free. 

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l^p3  Our  publications  are  always  stopped  when  the  term  of  subscription  expires.    It  is  not  necessary  to  give  notice 
of  discontinuance. 

Specimen  copies  of  all  the  Weekly  and  Monthly  Publications  sent  on  receipt  of  30  cents  in  postage  stamps, 
jjggp'  In  sending  subscriptions,  or  corresponding,  be  careful  to  send  name  and  address  in  full. 

We  cannot  change  the  name  or  address  of  a  subscriber  unless  he  gives  us  his  former  as  well  as  his  present 
address,  also  name  of  paper. 
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FKANK  LESLIE'S  PUBLISHING  HOUSE,  53,  55,  and  57  Park  Place,  New-York. 


American  Fire 

INSURANCE  GO.  OF  NEW-YORK. 

[ORGANIZED  1857.] 

No.    L*2( )  Broadway. 

STATEMENT,  JULY  1st,  1881. 

CASH  CAPITAL  $400,000.00 

Net  Surplus  582,698.07 

Assets  (available  for  Fire  Losses)     $982,698.07 

Unearned  Premiums  and  other  Liabilities.  110,921.90 

TOTAL  ASSETS  $1,093,619.97 

Policy-holders  in  this  Company  hair  i HCI'eftSf'fl   protedtOH   under  the  guarantees  of  the 

New- York  SAFETY  FUND   IjA        under  which,  in  case  of  an  extensive  conflagration, 
The  Company  cannot  be  destroyed  ; 
The  Company  cannot  go  into  the  hands  of  a  Receiver  ; 
The  Company  can  pay  more  to  claimants  than  if  not  under  the  law; 

The  Company  can  pay  all  claims  promptly,  saving  the  extraordinary  delays  and  expenses  inci- 
dent to  a  Receivership; 

The  Company  can  and  does  protect  every  unburned  Policy-holder — and  this  is  of  vital  interest 
to  Mortgagees  and  other  collateral  holders,  who  have  uninterrupted  indemnity. 
This  Caw  is  of  greater  benefit  to  Policy-holders  than  any  tver  before  enacted. 
JAMES  II.  BALSTED,  Presldeat. 

DAVID  A  DEE,  Sec'y.  HENRY  DAYTON.  Ge»1  Ageat.  W.  II.  CltOLlUS,  Am*1  Sec'y. 

Importers  and  Traders 

INSURANCE  COMPANY. 

Office   158    Broadway,  New-York. 

STATEMENT  JULY  I,  1881. 

ASSETS. 

Bonds  and  Mortgages   $23,450 

United  States  Government  Bonds   211,400 

N.  Y.  Central,  and  Harlem  Railroad  Stocks   00,500 

Bank  Stocks   18,000 

Cash  on  hand  and  in  Bank   3,453 

Interest  accrued   2,593 

Premiums  Unpaid   18,254 

Demand  Loans   14,000 

8348,255 

LIABILITIES. 

Capital  Stock  $200,000 

Unpaid  Losses   10,500 

Re-Insurance  Fund   45,000 

8255,500 

Surplus   892,695 


DANIEL  A.  SMITH,  Secretary. 


JOSEPH  BROKAW,  President. 


LONG  ISLAND 


INSURANCE  COMPANY. 

203  Montague  St.  176  Broadway, 

BROOKLYN.  NEW-YORK. 

JULY,  1881. 

Capital  $300,000.00 

Re-Insurance  Reserve  and  Liabilities   78,339.14 

Net  Surplus   167,702.01 

Assets  $546,011.  IS 

JONATHAN  OGDEN,  Vice-President.  W.  L.  CORTELYOU,  Pres't. 

HENRY  BLATCHFORD,  Secretary. 

Incorporated  1836. 

CITIZENS 

INSURANCE  COMPANY 

OF  NEW-YORK. 

No.  156  Broadway. 

This  Company  has  passed  through  all  the  great  conflagrations  of  over  thirty  years,  without 
impairment  of  its  Capital  or  omitting  a  Dividend  to  its  stockholders. 

Cash  Capital    $300,000.00 

Reserve  for  Unearned  Premiums,  Losses,  and  other  claims   190,220.86 

Net  Surplus   481,487.09 

Cash  Assets,  July  1,  1881  $971,707.95 

EDWARD  A.  WALTON,  Vice-President.  JAMES  M.  McLEAN,  Pres't. 

FRANK  M.  PARKER,  Secretary. 


miamw. 


W3 


Thirty-seven  Years'  Business  Experience. 

NEW-YORK  LIFE  INSURANCE  CO. 

PURELY  MUTUAL.         DIVIDENDS  ANNUALLY. 

Surplus,  New-York  State  Standard,  over  $9,500,000. 

AGE.     STRENGTH.     CAREFUL  MANAGEMENT. 

30,000,000  Paid  to  Policy-holders. 

CASH  ASSETS,  OVER 


50,000  Policies  in  force. 

ANNUAL  INCOME,  OVER 


$9,000,000  $45,000,000 


The  Company's  Home  Office,  346  &  348  Broadway,  New- York. 


THE  NEW- YORK  LIFE  INSURANCE  COMPANY  has  been  doing  business  for  thirty- 
seven  years,  and  now  offers  to  those  desiring  life  insurance  a  Combination  of  Advan- 
tages which  only  long  experience,  a  large  and  well  established  business,  and  carefully 
perfected  plans  and  methods  can  afford.  Among  these  advantages  are:  (1)  The  absolute 
Security  of  its  Policies.   (2)  Insurance  at  Low  Cost.  (3)  Liberal  and  Equitable  Dealing. 

Having  always  been  a  purely  mutual  Company,  policy-holders  receive  their  insurance  at 
current  cost,  and  its  age,  strength,  prosperity,  and  economical  management  combine 
to  reduce  that  cost  to  the  minimum.  The  Company  is  conducted  in  the  interests  of  policy- 
holders alone.  In  the  decision  of  questions  involving  their  rights  the  invariable  rule  is  to 
consider,  not  the  technical  legality  of  the  claim  alone,  but  also  its  real  justice. 

The  non-forfeiture  system  of  life  insurance  policies  originated  with  this  company  in 
I860,  and  has  since  been  adopted— though  sometimes  in  questionable  forms— by  cJl  other 
companies.  This  feature  saves  millions  of  dollars  every  year  to  policy-holders, 
and  for  this  they  are  Indebted  primarily  to  the  NEW-YORK  LIFE.  The  system  as 
now  perfected  by  the  NEW- YORK  LIFE  secures  Safety  to  the  Company  (without  which 
all  interests  are  jeopardized),  and  Justice  to  the  insured. 
MORRIS  FRANKLIN,  President.  WILLIAM  H.  BEERS,  Vice-Pres.  and  Actuary. 
THEODORE  M.  BANTA,  Cashier.  CHARLES  WRIGHT,  M.  D.  \  Medical 

D.  ODELL,  Sup't  of  Agencies.  HENRY  TUCK,  M.  D.       5  Examiners. 


